A Credit Score is an index of a person's creditworthiness based on prior repayment history, current level of indebtedness, types of credit used, length of credit history and the number of new credit accounts. Scores usually range between 300 and 850. Typically, organizations would rate people with credit scores over 725 as "excellent." Scores between 675 and 725 are still strong. For people with scores less than 675, they may struggle to secure additional forms of credit or it will come at a high cost.