Credit scores range from 300 to 850 and are a numerical representation of an individual's creditworthiness based on factors such as credit history, payment history, outstanding debt, length of credit history, types of credit used, and recent credit inquiries. A score of 800-850 is considered an excellent and low credit risk, a score of 740-799 is considered good, a score of 670-739 is considered fair, a score of 580-669 is considered poor, and a score of 300-579 is considered bad.