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Discussion in 'Credit Talk' started by Flagirl, Mar 21, 2001.
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Yes there is a huge difference. You are typically treated as bad credit until you rich 620. This is especially true for a car loan. As you go above 620 you are rated better. Anything above a 660 I think cardealers love you. That is like your boyfriend.
Different types of lenders look at scores differently. But these are a basic guidelines:
Above 719: excellent credit
680-719: Good Credit
620-679: Lender will take a closer look at your file
585-619: Higher risk; you will not be eligible for the best rates and products
Below 585: Credit products may not be available. lender will need to consider other information in your application.
This is from 'your credit score' and eloan last year.
I found this interesting.
"But simply knowing your credit score when beginning the mortgage process -- if that score is at least 620 -- should ensure that you obtain a market-rate loan, she says. And if your score is lower, you will have time to take action that can raise it.
Scoring Factors Listed: Fair Isaac divides its credit-scoring factors into five categories.
Payment history, which is the basis of 35 percent of your score
Amounts owed, on which 30 percent of the score is based
Length of credit history, which accounts for 15 percent of a score
New credit, which accounts for 10 percent
Types of credit in use, which accounts for the remaining 10 percent"