Credit Score Range – Fico Score Range

Credit Score RangeDifferent credit scores have different ranges and scales. Each credit score range is further divided into different risk categories. Here is a summary of the most common credit score ranges, followed by a graphic illustration of credit score scale.

The most commonly used credit score is Fico, by Fair Isaac. It is used by more than 90% of creditors and lenders, and dominates the market.

Fico scores have many versions. Each of the 3 major credit bureaus (Equifax, Experian & TransUnion) has its own version of Fico called TransRisk, Emperica, Beacon, Pinnacle, Score Power, TransRisk, Fico I, Fico II, & Precision.

In addition, all of the three major credit bureaus distribute  their new Vantage Score. While most of the Fico-Based scores have a similar credit score range (with small variations), the Vantage score runs on a completely different credit score scale.

Credit Score Ranges
Fico Score Range versus Vantage Score Range

The following table summarizes the different credit score ranges:

Credit Score Name Range Used by   Remarks
Fico 300 – 850 myFico.com All Fico Versions – Classic, NextGen, Fico8, Fico Expansion
Vantage Score 501 – 990 Equifax, Experian & TransUnion
Beacon Score 350 – 850 Equifax Equifax’s version of Classic Fico
Pinnacle Score 350 – 850 Equifax Equifax’s version of NextGen Fico (the new Fico version)
Score Power (Fico I or Fico II) 300 – 850 Experian Experian’s version of Classic Fico
Fico Advanced Credit Score 300 – 850 Experian Experian’s version of NextGen Fico (the new Fico version)
Empirica/TransRisk  300 – 850 TransUnion TransUnion’s version of Classic Fico
Precision 300 – 850 TransUnion, Credit Karma TransUnion’s version of NextGen Fico (the new Fico version)
CE Score 350 – 850 Community Empower, Quizzle Published by CE Analytics
Credit Karma Score 300 – 850 Credit Karma Uses Precision Score, Based on your credit report from TransUnion
Quizzle Score 350 – 850 Quizzle Uses CE Score, Based on your credit report from Experian
Credit Sesame Score 360 – 840 Credit Sesame Uses Experian’s National Equivalency Score, Based on your credit report from Experian






Fico Score Range
Fico is the most common credit score. More than 90% of lenders use Fico for making their lending decisions and determining loan terms. Fico comes in 3 basic versions:

  • “Standard” – the only version available to consumers.
  • “Auto Enhanced” – used by car dealers.
  • “Factual” – used by mortgage brokers.

All three versions run on a 300-850 scale, which is divided to the following categories:

Fico Score Risk Category
700 – 850 Excellent
680 – 699 Good
620 – 679 Average
580 – 619 Low
500 – 579 Poor
300 – 499 Bad

Vantage Score Range
Vantage Credit Score is a new score by the 3 major credit bureaus – Equifax, Experian and TransUnion. Although the credit bureaus insist on selling it to consumers, lenders rarely use it.

The Vantage Score ranges from 500-990, and is further divided to the following categories:

Vantage Score Grade Risk Category
901 – 990 A Super Prime
801 – 900 B Prime Plus
701 – 800 C Prime
601 – 700 D Non-Prime
501 – 600 F High Risk

Beacon Score Range
Beacon is Equifax’s version of Classic Fico. However, it has a slightly different scale, from 350 – 850.

Pinnacle Score Range
Pinnacle is Equifax’s version of the new NextGen Fico (Fico 8). It runs on the same scale as the Beacon score, from 350 – 850.

Score Power (Fico I or Fico II) Range
Score power is Experian’s version of Classic Fico. It runs on the same scale as Fico, from 300 – 850.

Fico Advanced Credit Score Range
Fico Advanced Credit Score is Experian’s version of the new NextGen Fico (Fico 8). It runs on the same scale as Fico, from 300 – 850.

Empirica (TransRisk) Score Range
Empirica is TransUnion’s version of Classic Fico. It runs on the same scale as Fico, from 300 – 850.

Precision Score Range
Precision is TransUnion’s version of the new NextGen Fico (Fico 8). It runs on the same scale as Fico, from 300 – 850.

Credit Karma Score Range
Credit Karma provides its customers with the Empirica/TransRisk score from TransUnion. It is based on your credit report from TransUnion, and runs on the same scale as Fico, from 300 – 850.

Quizzle Score Range
Quizzle provides its customers with the CE score, developed by CE Analytics. It is based on your credit report from Experian, and runs on a slightly different scale, from 350 – 850.

Credit Sesame Score Range
Credit Sesame provides its customers with the Experian’s National Equivalency Score. It is based on your credit report from Experian, and runs on a scale from 360 – 840.

For more information see What Are Good Credit Scores and Average Fico Score.









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