Roll over the letters to find out more about them.
VantageScoreSM, which is both used by lenders and now available to consumers, is the first credit score developed cooperatively by Experian and the other national credit reporting companies.
The VantageScore scale approximates the familiar academic scale, making it simple to associate your VantageScore number to a letter grade. You now will have clear insight into how lenders using VantageScore will view your creditworthiness.
901 - 990: A
801 - 900: B
701 - 800: C
601 - 700: D
501 - 600: F
A (901 - 990) Super Prime
Consumers in this group are scoring in the top 11% of the population. Consumers in this category are likely to be viewed as a very low credit risk by most lenders. Lenders are likely to offer their best rates and terms to consumers in this score range.
B (801 - 900) Prime Plus
Consumers in this category have exhibited good credit management. Consumers in this category are scoring in the top 40% of the population. Most lenders offer their “good” rates to consumers in this category, and some will offer better terms.
C (701 - 800) Prime
Consumers in this category are scoring in the top 60% of the population. Lenders typically view this category as creditworthy and may offer reasonable terms to consumers within this score range. Some lenders may wish to review the credit history of consumers in this category in more depth and may require additional documentation in order to extend favorable terms.
D (601 - 700) Non-Prime
Consumers in this category are scoring in the lowest 38% of the population. Lenders typically view consumers in this category as higher risk. While many lenders still make credit available, they will likely offer somewhat less favorable terms to compensate for higher default rates in this category.
F (501 - 600) High Risk
This category represents the lowest-scoring 19% of the population. Lenders generally view this as a very risky group. Many prefer not to extend credit to this group. Others may extend credit but require deposit accounts to protect the loan. Some will extend more traditional credit but require much higher interest payments to compensate for the increased risk associated with this category.
