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Discussion in 'Credit Talk' started by jen, Sep 11, 2000.
Any help will be appreciated.
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700 is excellent, 600 is bad
<620 very bad
I've read the FICO scores range from 300 to 900. It is interesting that very bad to excellent is compressed in a range of 80 points. What do you have to do to get a score of 400 or 800?
Interesting.........You say that under 620 is very bad..I just bought a new 2000 Camaro and my score was 610 and did not have a problem. When I went to do a home equity a few months ago I had 600 and they said that
550-580 was c credit 580-610 was b and over
620 b+ and over 650 was a. Somewhere things sound weird. You can go to www.freecreditanalyzer.com and get a pretty close picture of your score. I did mine and it was very close. On the home equity loan the a-b-c-d- etc. was a factor in the interest rate.
FYI: I bought a new Mitsubishi recently. My score is 619. The information that I am providing is a summary of the information that I have been reading. You can always get a car or home from manufactures or subprime lenders expecially a car with no outstanding delinquencies. But in the major scene of things, the numbers that I suggest are close. Back when E-loan was giving out fico scores, this analysis was provided along with my score. Words like bad and good were not used. But these are the cut off scores. Below 620 means that you would not qualify for the best provides. 620-680 means that they would look at your application more closely. And above 680 you were in excellent shape. I also prequalified for a home loan with my scores.
Free Credit Analyzer
Thank you! for recommending that site. I went to freecreditanalyzer.com for a peek at my likely FICO score. I got a 688, much better than I thought. I was expecting maybe 560, based on the responses I get from applications.
RE: Free Credit Analyzer
I tried a few variations to see what changed and notice that with no late payments the following factors weigh heavy in FICO scores.
1. Employment should be over 2 yrs with same employer.
2. Try to have as little balance on accounts owing.
3. Have fewer accounts with higher credit limits on them.
I think most of us should think about closing those $300.00-$1500.00 accounts if we can. Using the FICO Scoring they should be replaced with 1-2 major prime cards with a much better limit on them!