Credit scores are used by lenders and creditors to evaluate your repayment potential. Your score is calculated using a variety of factors, including your payment history, the amount you owe lenders, and the length of your credit history. Fortuna Credit provides you with the VantageScore 3.0, which ranges from 300 to 850. Generally, values between 700 and 750 are considered good, while values above 750 are considered excellent.