Is 700 a good credit score?

Yes — a 700 credit score is in FICO's 'Good' range (670–739) and is at or slightly below the U.S. average. It signals reliable credit management and qualifies you for most products at competitive rates, with the best pricing reserved for 740+.

Where 700 falls on the FICO scale

On the 300–850 FICO scale, 700 sits in the 'Good' band (670–739) and lands right around the U.S. average (mid-710s). It's a widely recognized milestone — a clear signal of prime, reliable credit.

What a 700 score qualifies for

Mortgages at competitive rates — well above conventional and FHA minimums.
Auto and personal loans at solid prime pricing.
A broad range of rewards credit cards — most mainstream cards approve at 700.
Strong approval odds with room to negotiate on some products.

How to reach 'Very Good' (740+)

You're about 40 points from the 740 threshold where many lenders' best rates begin. The remaining gains come from keeping utilization in the single digits, maintaining a perfect payment record, and letting your credit age — there are no shortcuts, just consistency.

The numbers

670–739 is FICO's 'Good' range; 700 sits within it, near the national average. — myFICO
The average U.S. FICO Score is in the mid-710s. — Experian
Higher scores typically mean lower rates and more loan options. — CFPB

Key takeaways

700 is 'Good' and right around the U.S. average — solidly prime.
Strong approval odds and competitive rates across most products.
Best rates usually begin at 740 — about 40 points away.
Consistency (low utilization, on-time payments, aging accounts) closes the gap.