The FICO Score Range

The FICO credit scoring model starts at 300 on the bottom end and goes to 850 at the top. You would think a range of 1 to 100 or 1 to 1,000 would make more sense, but that would be looking at the score from the perspective of a consumer. It was not until the late 1990s that consumers could even access their own credit scores. The FICO scoring model was created for lenders, so it was designed for the lenders’ systems. It did not have to make sense to consumers, just to the lenders.

Where does a good credit score fall on this scale? Let’s take a look in the next lesson.

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