Excellent credit means you have never declared bankruptcy or defaulted on a loan, always pay bills on time with all your creditors and have more than 3 years long credit history. According to the FICO score range, excellent credit score starts from 750 and can be up to 850†. The best credit opportunities, such as low interest rates and high credit limits, are available with excellent credit history.
† Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product. Credit-Land.com uses a FICO® Score, which is one of many different types of credit scores. A creditor may use a different score when deciding whether to approve you for credit.