This score does not contain your actual credit score.
You want to have excellent credit, and that is credit anywhere from 720 to 850. The other credit score categories are: Poor (280-590), Fair (590-640), and Good (640-720).
What credit score is good?
“Good credit” is technically the second highest category of credit scores, and is associated with scores from 640 to 720. “Excellent credit” is anywhere from 720 to 850. Having a score below 640 will make it much harder to find financing and credit.
So data is being built on you all the time, all of which affects your score. Eventually, your score can level out, but if you don’t have a lot of data on you then it can be a bit volatile in the begining.
Which credit score do lenders use?
How does a credit score work?
Your score is a monthly snapshot of your current estimate of creditworthiness. Based on a number of factors, an algorithm will calculate a score.