Credit financing rates surge on people with poor or no credit A FICO score represent your history of managing debt. By no means is an excellent FICO score an indication that you are over the hump financially because you could be spending every dime you make and then some, which is not an ideal situation.
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Americans hold an average FICO score of 700. The number of people with poor scores typically have late payment and other negative credit information on their credit file.
An excellent FICO score is 750+, a good score is 700-749, the FICO range for fair credit is 650-699, and poor credit is 600-649, while bad FICO scores are below 600. FICO said borrowers with scores of 800 or more outnumber people with scores of 600 or below.
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