A perfect FICO credit score is 850, but experts tell CNBC Select you don't need to hit that target to qualify for the best credit cards, loans or interest rates. "If you're at 760, or 780 ...

Americans with higher credit scores are more likely to qualify for the best credit cards. The average FICO® Score is 714, well within the "Good" range, according to Experian. That is unchanged ...

Having no or minimal credit history means you don’t have a credit score at all. This is different from having a low credit ...

that way you can have a good idea of what your approval odds are for each card. FICO Scores are based on five factors: Payment history (35%) Length of credit history (15%) Amounts owed (30% ...