Score band
Credit scores & reportsA bucket within a score range that labels scores as excellent, good, fair, or poor.
Overview
Score bands group numbers together to show how lenders may view a score.
The names and thresholds vary by credit agency.
Why it matters
- It makes scores easier to interpret.
- It can guide what products you are likely to qualify for.
- It helps you track progress when your score changes.
FAQs
Can my band change without a big score jump?
Yes. If your score crosses a band threshold, your label can change.
Do lenders use the same band labels?
Not always. Many lenders use their own internal risk tiers.
Related terms
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