Below 580 is a high-risk credit score. Although more difficult, you may still be able get a credit card but will likely be required to give a security deposit and be hit with high interest and fees.

If your credit score is below 680, you are average or “sub prime” risk, and will likely be offered less than favorable interest rates and terms on your loans and credit cards.

If your credit score is above 680, you are generally considered a lower risk and should have no problem getting a good interest rate on your home loan, car loan, or credit card.