Discussion in 'Credit Talk' started by Hermit5, Nov 19, 2001.

  1. Hermit5

    Hermit5 Well-Known Member

    what FICO scores are considered subprime and at what point are you considered prime?

    I heard for car loans its 680 +

    What about CC's?
  2. Mirage

    Mirage Well-Known Member

    The FICO score is just part of the equation. The other part is what derogs that is on the report as well. For example my Beacon FICO is 680 but I have a bk-13 on file. This will get me an instant no from AMEX, Chase, MBNA etc.

    If you have a 680 with no derogs- than the prime offers should be there.

    Best regards,

    GEORGE Well-Known Member

    That is a real good depends on the loan/credit card company...
    My wife was given a SUB-PRIME NEXT CARD WITH A 741 F.I.C.O.

    PRIME/SUB-PRIME cut off is around 650-680 or so with many companies...

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