Loan Rates

What does my credit score need to be to get competitive mortgage and auto loan rates?
Is there a magic number? Is it 650? 750? What should I use as my benchmark for being ready to apply for financing? I’ve done a lot to repair my formerly blemished credit history and would like to know when I should feel confident again.
anything above 650 should be good 700′s are considered very good and 800 excellent but anything above 650 should do.