by 
Stacey
ANSWERS: 3
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Credit Score Scale 10/25/2007 0 Comments Under 600 considered poor. Top 5 tips about the credit scale score: 1. The most commonly used credit scale score is from FICO. The range goes from 300 to 850 points. A competing scoring system is known as Vantage. 2. The best rates are available to those with a score above 720 on the FICO credit score scale. Under 600 is considered poor credit. 3. The best way to know where you sit on the credit score scale is to request a copy of your credit score. There is usually a fee charged and it can be obtained from myfico.com. 4. In addition to your credit score you need to get the most recent copies of your credit report from the 3 major credit bureaus. You are entitled to 1 free credit report from each agency 1 time per year. 5. Armed with your credit report and credit score you are now ready to approach lenders that can deliver what you need financially.
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It's not good but it could be alot worse. If I were you I would make arrangements with all of my creditors to make some sort of monthly payment arrangements on my debts to help get my score back up. That's assuming you are just a little behind and nothing has charged off. If anything has been charged off or eneterd as a judgement on your credit report they won't update the information until you completly pay it off. If it's not alot of money you owe I would suggest seeking out family assistance with getting it paid off. Mom and dad are alot less likely to charge you interest late fees and other charges if you miss making a payment to them.
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That credit score sucks. Follow Cognition's direction. If you need additional help, let me know. Let's just say I know A LOT about FICO scores. A LOT.
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