As of 2015, a decent or average credit score ranges from 630 to 689, while a good credit score ranges from 690 to 719. Individuals can improve their scores by using credit responsibly, paying bills in a timely manner and keeping monthly credit card balances as low as possible.
A credit score determines how much a person pays for interest on a loan or credit card. Landlords, mortgage lenders and car insurers also look at a person's credit score when deciding whether to rent to him or offer him a loan and when determining the rate of his insurance premiums. Different credit card options are available for every type of credit, although those with poor credit may have to make a deposit before getting a card.