Well... Here are the facts about your credit score...
When the lender is talking about your credit score, they are probably refereeing to your FICO Score, since it's the most popular score sold in the marketplace.
In the United states, FICO Credit scores range from 300-850.
The magic number 620, this is the dividing line good and bad credit
If you FICO score is below 600, you are considered high risk borrower.
If you FICO score is 640 or MORE, that means it's pretty good
If you FICO score is above 690 or 720, that means you have excellent credit.