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700 is a very good credit score. It means that you have a better than average payment history, no lates of any kind. With that score you can get approved for any line credit you want provided your income allows you to meet the required Debt To Income Ratios.
I can say that it's what's in your credit file that also counts. Being responsible to handle credit will count more than you think. You can have a 700 score and still get 0% financing. They want to see that you can handle credit wisely. When I started using this site I had a mtg & a used car payment with 1 Cap One card.