A good credit score is usually considered to be in the high 600s or low 700s, depending on the scoring model. Higher is better, but different lenders use different versions of the score.
What matters most is the trend behind the number: on-time payments, low credit utilization, a long history, and not opening too many accounts at once.
The practical goal is not a perfect score. It is a score high enough to get better loan terms, lower insurance pricing in some cases, and less friction when you apply for credit.
Sources
This is general information, not professional financial advice. For decisions about your situation, talk to a qualified professional.
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