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by Freddie-Z on August 15th, 2007
It is a number that the 3 major credit bureaus assigns you from your history of paying your bills on time. For instance, Equifax is one of them and the highest score is 850. If you have a score of 740 plus you can go into any dealership and just give them general info and walk out with a car. If your score is 450 you will have to pay a very high interest rate and maybe even have a cosigner. The best thing to do is to not apply for credit you do not need. Always pay your bills on time. Apply for credit only if you must have it and as time marches on and they see you keep paying on time your score will go up and when you apply for a loan when you have a higher score you will probably not get turned down and you can do away with needing a cosigner. You are entitled to a free credit report from each bureau every year, go to, www.equifax.com and take a look at thier site. You can even get your credit report online if you answer some identifying info, good luck.
by Account Closed on August 5th, 2008
It's 940 which is good i guess.
by inconsequential on August 15th, 2007
Somewhere between 300 and 900. :)
by Little Miss Dangerous on August 5th, 2008
Almost the Best...I do my share to keep the economy going :)
by SarahK on September 19th, 2007
On what scale? I'm too cheap to check my FICO scores, but the estimate is 705-755 due to a recent inquiry. I haven't heard back yet, but I'm nervous.
by Eltinwe has a life Swan - DYOH on August 15th, 2007
Honestly, I don't know. It's good, but I don't know how good. It was good enough when we went to buy a house a couple years ago that we got an absurdly low mortgage rate.
by Pixie - jeg er elsket on June 27th, 2009
700, considering im only 20 i think it's pretty good :)
by anng on August 5th, 2008
Its fair.
by technios on August 5th, 2008
i have a better rating that 11% of the population... and i have never even had a credit card??? hospitals suck
by Rince on August 5th, 2008
Is there a level under poor ? :-p
by Victoria on January 8th, 2009
900 but I have no idea what that means.
by Freddie-Z on August 21st, 2007
There are 3 major credit bureaus and they all look at the way you pay all of your creditors from charge cards to auto loans, home mortgages and such. If you pay on time you will wind up with a good score, if you are late or not paying your score will drop. Equifax is a major Credit Bureau and the highest score you can get is 850 with the average person scoring around 700-725. If you have a high score you can go into a car dealer and walk out with a new car at the best rate. If you have a score of 500 be prepared to pay a high interest rate, fill out alot of paperwork and possibly have a co-signer. Do not open new accounts that you do not really need, that will make your score go down. Just be constant and pay all your bills on time every time. If you want a copy of your free yearly credit reports you can call the 3 agencies and they will send you a copy once a year. If you wish to find out your credit score go to www.fico.com and follow the instructions, good luck.
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