Is a FICO Score of 8 Good? Here's What You Need to Know!

If you're wondering whether a FICO score of 8 is any good, you're not alone. Many people get confused by credit scores, and it's understandable! The world of credit scores can seem like a huge, confusing maze, but it's not that bad once you know a few basics. So, let’s dive into it, and by the end, you’ll have a clear understanding of what a FICO score of 8 means for you and your financial future.

What Is a FICO Score Anyway?

Before we even dive into whether a FICO score of 8 is good or not, let’s first quickly review what FICO scores are. FICO, which stands for Fair Isaac Corporation, is the company that created the most commonly used credit score in the U.S. These scores range from 300 to 850, and the higher your score, the better your credit is considered.

The FICO Score Range

FICO scores are divided into ranges. Here's a general breakdown of what each range means:

• 300-579: Poor

• 580-669: Fair

• 670-739: Good

• 740-799: Very Good

• 800-850: Excellent

So, if you have a FICO score of 8 (assuming you meant a score of 800), you're in excellent territory, baby! But let’s dig deeper into what that really means.

So, Is a FICO Score of 8 Good? Short Answer: Heck Yes!

Okay, let’s cut to the chase. Yes, a FICO score of 8 is amazing. If you’re hitting 800 or more, you’re in the upper echelon of credit scores. Banks, lenders, and even landlords will be super impressed by this number. They see you as a low-risk borrower, which means you’re more likely to get approved for loans, credit cards, or mortgages – and typically with better interest rates.

The Benefits of Having a High FICO Score

Let’s talk about why this score is so important:

• Lower Interest Rates: When you have an 800+ FICO score, lenders love you. This translates to lower interest rates, which means you’ll pay less money over time.

• Better Loan and Credit Card Offers: You're more likely to be approved for the best credit cards with great rewards, and you might even get credit card bonuses or increased credit limits.

• Stronger Buying Power: If you’re buying a home, car, or even renting an apartment, landlords and sellers will see you as a more trustworthy and reliable person.

I remember a few years ago, I was chatting with my friend Dave about buying a car. He had this incredible credit score (like 815 or something), and when he went to the dealership, they practically rolled out the red carpet. They gave him a crazy good deal on financing, which meant he saved hundreds on his monthly payments. It was a perfect example of how a high credit score can work wonders.

Can You Do Anything With a Score of 8?

You might be thinking, “Okay, I have a score of 8. What now? Do I just sit back and relax?” Well, not necessarily. While an 800+ score opens a lot of doors, it doesn’t mean you can just stop paying attention to your credit. A few small mistakes can quickly drop your score.

How to Maintain Your FICO Score of 8

• Keep Your Credit Utilization Low: Try to keep your credit card balances below 30% of your limit. Ideally, aim for 10% or less.

• Pay Your Bills on Time: Seriously, this cannot be overstated. One late payment can ding your score big time.

• Mix Up Your Credit Types: Having a good mix of credit (like credit cards, loans, and mortgages) helps your score.

• Check Your Credit Report: Mistakes happen! Check your credit report at least once a year to make sure there are no errors.

I learned this the hard way. A few years ago, I had this almost perfect credit score (around 820), but I missed one payment on a credit card bill. It wasn’t intentional, but it dropped my score by about 50 points. That was a punch in the gut. Trust me, you don’t want that happening!

Can a FICO Score of 8 Ever Be Too High?

Okay, let’s throw in a little twist. Can a FICO score of 8 be "too good?" Well, kind of. Some people have this perception that if you’re in the 800-850 range, you might be paying for things you don’t need to. They say, “Why go that high when you could be just under 800 and still get the same offers?”

Should You Stress About Reaching 850?

Honestly, I wouldn’t stress over getting that perfect 850. It might sound weird, but it’s not the number that matters most—it's your overall financial health. A score of 800 already gives you the upper hand. Anything over that is just a cherry on top. I had a colleague, Sarah, who was always obsessed with getting her score to 850, but when she hit 810, she realized that, financially speaking, she was already at the point where it didn’t make much difference.

Final Thoughts: Don’t Sweat It, But Keep an Eye on It

So, to wrap up – if you're wondering whether a FICO score of 8 is good, the answer is YES. It’s great! It’s awesome. You’re in the top tier of credit scores, and that opens doors. But remember, you have to keep your credit habits in check. A high score doesn’t mean you can stop paying attention to your finances. One small slip can cause a dip, and nobody wants that.

If you’re sitting with a score in the 800+ range, enjoy the perks but stay vigilant. You’ve got this!

Is 165 cm normal for a 15 year old?

The predicted height for a female, based on your parents heights, is 155 to 165cm. Most 15 year old girls are nearly done growing. I was too. It's a very normal height for a girl.

Is 160 cm too tall for a 12 year old?

How Tall Should a 12 Year Old Be? We can only speak to national average heights here in North America, whereby, a 12 year old girl would be between 137 cm to 162 cm tall (4-1/2 to 5-1/3 feet). A 12 year old boy should be between 137 cm to 160 cm tall (4-1/2 to 5-1/4 feet).

How tall is a average 15 year old?

Average Height to Weight for Teenage Boys - 13 to 20 Years

How to get taller at 18?

Staying physically active is even more essential from childhood to grow and improve overall health. But taking it up even in adulthood can help you add a few inches to your height. Strength-building exercises, yoga, jumping rope, and biking all can help to increase your flexibility and grow a few inches taller.

Is 5.7 a good height for a 15 year old boy?

Generally speaking, the average height for 15 year olds girls is 62.9 inches (or 159.7 cm). On the other hand, teen boys at the age of 15 have a much higher average height, which is 67.0 inches (or 170.1 cm).

Can you grow between 16 and 18?

Most girls stop growing taller by age 14 or 15. However, after their early teenage growth spurt, boys continue gaining height at a gradual pace until around 18. Note that some kids will stop growing earlier and others may keep growing a year or two more.

Can you grow 1 cm after 17?

Even with a healthy diet, most people's height won't increase after age 18 to 20. The graph below shows the rate of growth from birth to age 20. As you can see, the growth lines fall to zero between ages 18 and 20 ( 7 , 8 ). The reason why your height stops increasing is your bones, specifically your growth plates.