A good credit score is a numerical indicator of your creditworthiness, typically ranging from 700 to 850, with higher scores reflecting a lower risk to lenders. Achieving a good credit score involves a combination of factors, including a history of timely bill payments, low credit utilization, a diverse credit mix, and a long credit history. A good credit score not only makes it easier to qualify for loans and credit cards but also often results in more favorable interest rates and terms. Maintaining a good score requires consistent financial discipline, such as paying off debts responsibly and regularly reviewing your credit report to address any inaccuracies.