What is a good credit score?

On the common 300–850 scale, roughly 670 and up is considered good, 740 and up very good, and 800 and up exceptional. Lenders set their own thresholds, but those bands describe how most of them think.

Quick takeaways

670+ is good, 740+ very good, 800+ exceptional.
Rate savings, not bragging rights, are the real payoff.
Accuracy first, then utilization, then time.

What a good score buys

Approval odds, better rates, higher limits, lower deposits on utilities, and in many states better insurance pricing. On a mortgage, the gap between fair and very good credit can be tens of thousands of dollars over the life of the loan.

What holds a score there

A long run of on-time payments, revolving balances well under 30% of the limits, a mix of account types, and few recent applications. None of that is exotic — it is consistency.

If you are not there yet

Fix reporting errors first, because they are the fastest points. Then bring utilization down, keep old accounts open, and let clean history accumulate.

Want someone to look at your actual reports?

Start the free intake and a Knox specialist will walk your file with you — what can be challenged, what should stay, and what to do next. No cost, no obligation.