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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.
Even if you have an average score of around 700, you might not have a reliable repayment history. Lenders want to see a credit history of at least one year, but preferably two. They also want to see regular payments made on at least two sources of debt. Examples of debt would be a credit card, line of credit or a personal loan. They also want to see a minimum credit score of 600.