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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1334
1 Magic Points
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Subject: credit score
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Sun Sep 06, 2009 7:51 am
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| My score actually went up!!...from 480 to 540. YEAH!! but,......it seems like I still have a long way to go. I'm just concentrating on getting things paid, in a timely manner, etc. Not too worried about the debts I can't do anything about right now. 'One step at a time'........hope this makes sense to ya'll!!LOL |
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MDenton
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Wed Sep 09, 2009 1:32 am
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| FICO scores range from 350 to 850. The score for the "best rate" will vary over time as lenders each crunch their own numbers to find the consumer which they most prefer. In the mortgage industry, 720 has traditionally been the line for "A" paper. I have heard that recently, scores as high as 800 have been required to avoid paying points on some loans. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3735
10 Magic Points
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Wed Sep 09, 2009 1:58 am
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| what I would give to see 700, lol. I have been working on mine, slowly but surely. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4124
1011 Magic Points
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Wed Sep 09, 2009 5:49 pm
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| I have never even knew my score. Nope not even once. I always thought it to be good since I do not get turned down for credit. Even so I would probaly look in the near future but I always find it confusing on where to go to get a score. Just like debt collection agencies, credit score agencies are also popping up all over the place and you then have the headache of finding a site that is not going to take oyur credit card for a ride or take out monthly fees from your checking account. All I would want to do is pay a one time fee to see my score and end it at that. |
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sunnyca
Joined: 10 Sep 2009
sunnyca's page
Posts: 150
950 Magic Points
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Thu Sep 10, 2009 2:59 am
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Probably you may want to try some of the free optiosn you et with yoru credit card compny or bank
Most of them are free for 30 days and if you cancel with in that time you will probably donto pay anything,but still can get your credit report and numbers |
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Arya
Joined: 19 Aug 2009
Arya's page
Posts: 43
144 Magic Points
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Sun Sep 13, 2009 8:31 am
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minimum score will be 620.
and maximum credit score will be 850+ |
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Meeker
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Subject: Credit Score
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Sun Sep 20, 2009 1:24 pm
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I went in last year with my Dad and his score came back at 842!!!
I could not believe it so I went to another agency and it came in at 844.
That is the highest I have ever seen! |
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andybell
Joined: 11 Aug 2009
andybell's page
Posts: 17
199 Magic Points
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Mon Sep 21, 2009 5:14 am
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| What could be the best credit score that you can feel safe about? |
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sunnyca
Joined: 10 Sep 2009
sunnyca's page
Posts: 150
950 Magic Points
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Mon Sep 21, 2009 5:35 am
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I would say anythign above 740 but you need to be care ful not to open toomany credit cards or loans it can come down quickly
So close to 780 would be really help ful |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1308
28489 Magic Points
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Mon Sep 21, 2009 6:10 am
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Hi andybell
| Quote: | | What could be the best credit score that you can feel safe about? |
Ideally a score above 700 is considered good. However, there have been instances where someone with a good score got rejected on a loan while some other individual with not so good a score got a loan sanctioned. Credit agencies or any other agency (insurance for example) do not just consider your score when they give working with you a thought. There are so many other factors that come into play when it comes to credit companies or insurance companies.
However, it is advisable that you must have a score above 700 to be on the safe side 
_________________
Keep in touch
Carol |
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1093
25288 Magic Points
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Mon Sep 21, 2009 10:43 am
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Hi,
Yes, I absolutely agree with Carol. It is really good to have a 700+ credit score. The more the score, the less is the interest rate.
_________________
All the Best
Justin |
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Tue Sep 22, 2009 4:32 am
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| First of all I must thank Sunnyca for the answer and after that I would like to thank Carol also for responding to my query for the first time. Keep in touch. |
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andybell
Joined: 11 Aug 2009
andybell's page
Posts: 17
199 Magic Points
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Tue Sep 22, 2009 4:34 am
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| Like always I again forgot to login and that's why just sending this message again "First of all I must thank Sunnyca for the answer and after that I would like to thank Carol also for responding to my query for the first time. Keep in touch." |
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sunnyca
Joined: 10 Sep 2009
sunnyca's page
Posts: 150
950 Magic Points
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Thu Sep 24, 2009 5:07 am
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Andybell
I am glad toanswer your question
I disagreelittle bit with carol and Juston. Even though I said 740, atleast 720 is kind of baorder line. I ahve seen soem lenders lookign for atleast 720 to get good interest rate |
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andybell
Joined: 11 Aug 2009
andybell's page
Posts: 17
199 Magic Points
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Thu Sep 24, 2009 5:45 am
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| I agree with your views on borderline Sunnyca but certainly it is always better to have more people around you to give you some good advice on these topics. |
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