Score threshold
Credit scores & reportsA score level that lenders use as a minimum for certain products.
Overview
Thresholds vary by lender and product type.
They are only one part of approval decisions.
Why it matters
- It helps explain why some applications are declined.
- It can guide which products you apply for.
- It shows where to focus improvement.
FAQs
Are score thresholds public?
Not always. Many lenders keep them internal.
If I hit the threshold, am I approved?
No. Affordability and other checks still apply.
Related terms
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