OK, so what is the real deal on what number your FICO score has to be to be considered "bad credit" or "good credit"?

Good credit would be anything above 800, anything below 600 would be conisdered bad. In between is where most us us are.

Depends on why you are wanting to know. I am a mortgage broker and bad to me is under 500, Average is 600-700 and Good is over 700.

well it all depends on who is looking at it .... but some places consider anything under 680 to be bad.

It depends on who is looking at it....

Generally speaking, above 715 is excellent, and you will usually qualify for the best rates and you will be approved for mostly everything you apply for (as long as income and stuff is OK)

680-714 is still excellent but you might have slightly higher rates.... you are still doing fine though.

640-679 you are starting to get into A- credit... still decent, but especially on the lower end of this scale rates will be higher and you could be denied credit.

The more you get below 640 the more into the sub-prime arena you get... below 550 you are doing really bad, it will be hard to get credit, and rates will be very high.

Anything below 600 is straight up BAD.