Credit Score Scale: What is Your Rating?

Do you know your credit score? If not, here is a good list of ways to check your credit scores for free. I signed up for a few of these free accounts and got my scores. Naturally, the next question is what is a good credit score? Follow by, how do I compare to others? To answer these questions, I am going to show you my credit score from a few of these services with a screen capture that shows how credit score is mapped into a credit rating scale. Note that for the most part, credit score ranges from 300 to 850.

Credit Sesame


My Credit Sesame score (provided by Experian) is 781 on a 300-850 scale. This fall under the Excellent category. According to Credit Sesame:

  • A Good credit rating is between 680 and 739
  • An Excellent credit rating is a credit score that is 740 or higher

Credit Karma


My Credit Karma score (provided by TransUnion) is 772 on a 300-850 scale. This is considered Excellent. According to Credit Karma:

The standard Credit Score on CreditKarma is the TransRisk New Account Score provided by TransUnion. This risk score represents your likelihood of deliquency or non-payment of credit obligations. This score is based on information in your TransUnion credit report and ranges from 300 (minimum) to 850 (maximum). The score is calculated using TransUnion’s proprietary model for assessing the credit risk of existing accounts and was constructed using a selected group of factors drawn from your credit records at TransUnion.



My Quizzle score (provided by Experian) is 779 on a 300-850 scale. This fall under the Excellent category. The thing to note in the graphic above is the credit score range.



Equifax Credit Score Card™ does not provide your exact score, it only tells you which of the 5 credit rating groups you fall into. Again, you can see how Equifax categorizes credit scores into different buckets. According to Equifax:

The Equifax Credit Score Card is a summary of your credit score range based on data from your Equifax credit file. Your credit score range is based on the Equifax Risk Score, not the FICO® Score. The Equifax Risk Score ranges from 280-850. Higher scores are viewed more favorably.

Check out these free services and see your credit score.

About the Author

By , on Jul 23, 2013
Andy Tenton
Andy is a 30-something New Yorker who turned his financial life around. He took charge of his finances, got out of debt, and is now working his way toward financial success. He is the publisher of

How to Become Rich e-Course

Budgeting 101


  1. Brandy says:

    Remember who you do business with also effects your score. Keep track of the ” a+ ” creditors and use them, American Express, Discover, Citi Group, Chase Slate, These are all A+, Avoid the credit cards who use cartoons or Vikings they can weight your score down, by not reporting your limit and in turn your lower score makes them money on higher interest.

  2. Leona says:

    Great tips! I check my credit activity quarterly through

  3. Great info! I last checked my credit score 2 years ago and barely remember the number. It’s definitely time to check again.

  4. Thanks for the tips! I’m only in college and the process of building my credit score, but I’ll have to watch my numbers in the process!

  5. Travis says:

    I wonder how Credit Karma’s scoring system works because I have the same exact score — 772. I used to have my credit cards on auto-pay, which meant the monthly balance would show up on my report even though they were paid in full each month. Normally I would have a 2-4% utilization rate and that gave me an “A” on CK’s rating system. For the past few months I have been paying off my balances right before my billing cycle ends. That way the amount reported is $0 and my credit utilization dropped to 0%. (I don’t have any student loans, car loans, mortgage, etc.) Now CK gives me a “C” on the credit utilization part of their rating system. But, my overall score of 772 didn’t change.

    • Andy says:

      @Travis – Have you tried updating the score. Mine changes but very slowly over time.

      • Travis says:

        Yes, I click the button to update my score each month. I guess credit utilization doesn’t really carry much weight when it changes between 0% and 4% (I’m sure it would if it was really high). Just seems strange the grade dropped to a “C” when I zeroed out the card balances, but the score didn’t change at all. It’s also strange we are the same exact score.

        This month I’m going to let a small amount stay on my main credit card when the billing cycle closes (should be around 1% utilization). I’ll see if that bumps me back to an “A” and if it changes my score at all.

      • Travis says:

        Hi Andy. Just a quick follow-up. I updated my Credit Karma report today (I do it the 10th of each month). I now show a 1% utilization rate since I left a small balance on my main credit card when the billing cycle ended. I will of course pay that off in full when payment is due. The credit utilization grade is back to an “A” but the score remains 772. I guess that’s as good of score as I can get for some reason.

  6. I typically pull our credit reports from Annual Credit Report but it is good to see a comparison of other companies out there. Thanks!

  7. Kelly says:

    Interesting to see this comparison. Thanks for sharing how they all look and how to determine your own credit score related to others.

  8. Great post! Thank you for sharing. I like to keep track of my credit score but sometimes it is hard to know which sites I can trust since I don’t want to have to pay to get information about myself.

  9. Great information, and interesting point about the recent changes in the system. Great post.

  10. The trouble is that credit scores mean different things to different people and from different organisations. In the UK much of hte scoring is done by the banks and while there are three main credit rating agencies, the banks also use information they may hold on you plus that on any application you make. It used to be taht if you had a mortgage and hadn’t been late with a payment, you got a 999 score. But now it is a bit different. Interesting how the two systems differ!

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