If you want to borrow money, it depends. over 620 to get a loan. Over 700 to get a good rate on a loan. Various lenders may have slightly higher or lower fico score requirements. Looking around can't hurt.
If you've been a good boy or girl, and been right on time with all your bills, then you will likely be OK.
As a practical matter, there are people who will lend money at almost any credit score, and the pricing isn't anything close to usurious.