Page 6 - ACP Training Manual

American Credit Pros

739–670
• The FICO® Score is near or slightly above the average
score of U.S. consumers

• Most lenders consider this a good score
Risk: Medium. About 8% of consumers with credit scores of 670-739 are likely to
become delinquent.

669–580
• The FICO® Score is below the average score of
U.S. consumers
• Some lenders will approve loans with this score
Risk: Medium-High. About 28% of consumers with credit scores of 580-669 are
likely to become delinquent.

579 and lower:

Score: Poor. Consumers who fall within this range are considered a poor credit risk
and may be rejected. Many who fall within this range must often put down a deposit
or pay a fee to obtain a credit card or home utility services.
Risk: High. About 61% of consumers with credit scores of 579 and lower are likely to
become delinquent.

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