Often referred to as "acceptable" credit, this range includes the average U.S. consumer (the average FICO score in 2025 was 713). Most lenders will approve standard loan terms for individuals in this bracket.
While specific benchmarks can vary slightly between lenders, credit scores are generally grouped into five categories: credit-score-ranges
Scores in this range signal high risk to lenders. Individuals may face frequent rejections or be required to provide high security deposits for utilities and rentals. Factors That Define Your Range Understanding Your Credit Score Range Often referred to as "acceptable" credit, this range