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You are here: Home / Curtis Van Carter / FICO SMICKO, What is All This Hoopla About Credit Scores and What is a Good Credit Score

FICO SMICKO, What is All This Hoopla About Credit Scores and What is a Good Credit Score

May 12, 2011 by Curtis Van Carter Leave a Comment

I recently read a blog post at Credit.org which was one of the best explanation of “What is a Good Credit Score?”. They were kind enough to allow others to use a great chart to help explain this.



Free personal finance education at Credit.org


Another interesting fact they provided in their post was the percentage of people in the different credit score brackets:



You can start by comparing your score to national averages. According to FICO, the following proportions of consumers have scores in the following ranges:



  • Up to 499: 2%

  • 500-549: 5%

  • 550-599: 8%

  • 600-649: 12%

  • 650-699: 15%

  • 700-749: 18%

  • 750-799: 27%

  • 800-850: 13%

They went on to break down what the various FICO credit score meant as to whether you are considered to have from poor credit to excellent. For a explantion of each and what being in each of these credit bracets can mean to you, go to their post.



  • Poor Credit 300 – 550

  • Subprime 550 – 620

  • Acceptable 620 – 680

  • Good Credit 680 – 740

  • Excellent Credit 740 – 850

Knowing your credit score and what it means is more important than and it truly effects everything you purchase using credit. I hope this helps explain this often misunderstood and sometimes confusing issue.


Thank you for reading this post. If I can ever be of help in finding you the perfect property here in the Napa Valley, please email me at Curtis@NapaValleyAddress.com. 


Your Broker Extraordinaire, selling Napa Valley Real Estate from its heart, Yountville.

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