What is a good credit rating score?
650 is considered very good, meaning creditors will be making you offers, good ones. 650-620 is good, everything under 620 is considered risky, the amount of risk correlating with the score itself.
An individual's credit score can affect all aspects of life. Having a good credit score, or improving a poor score, can be accomplished by several ways, including paying off debt, never submitting late payments, and not having a high debt to income ratio. http://money.msn.com/credit-rating/9-fast-fixes-for-your-credit-scores-weston.aspx