Americans hold an average FICO score of 700.
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AboutBlackBoston Online has partnered with Boston Debt Solutions, Inc. of Sudbury, MA., to provide free credit report evaluations and financial problem solving services.

By no means is an excellent FICO score any indication that you are over the hump financially because you could be spending every dime you make and then some, which is not an ideal situation.

FICO said borrowers with credit scores of 800 or more outnumber people with scores of 600 or below. Credit scores will vary slightly among bureaus. The highest score you could possibly have is 850. An excellent credit FICO score is 750+, a good credit score is 700-749, the FICO range for fair credit is 650-699, and poor credit is 600-649, while bad credit FICO scores are below 600.

But a high FICO credit score indicates that you will make timely payments on credit cards, loans and other financing agreements. When you buy a car or a house, the lowest interest rate goes to people with a credit score range of 720 or higher. The lower the score, the more you pay in interest or insurance, if you qualify for the deal.

Credit scores represent a history of managing debt. The number of people with poor credit scores typically have late payment and other negative credit information on their credit file.