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sunnyca
Joined: 10 Sep 2009
sunnyca's page
Posts: 150
950 Magic Points
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Sun Oct 04, 2009 6:26 pm
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Iknwo prople who are in 795 and also some oen who I saw with 813
850 is the highest oen can achive, but there are poepl out there wiht the score in 800 range
That is thier average score
Oen thignk I ahve seen is they do nto apply for too many loans and also they never had any lete payments in life
Lot of money in bank and very few credit cards or merchant cards
So if you keep that way ti is achievable |
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jassica
Joined: 13 Sep 2009
jassica's page
Posts: 70
6 Magic Points
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Mon Oct 05, 2009 2:25 pm
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| Best credit score is no doubt 850. |
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sunnyca
Joined: 10 Sep 2009
sunnyca's page
Posts: 150
950 Magic Points
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Tue Oct 06, 2009 7:18 pm
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I ahev not seen any one wiht 850
That may be impossible to achieve
Please share with us, if you know some one |
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sara
Joined: 13 Sep 2009
sara's page
Posts: 31
509 Magic Points
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Wed Oct 07, 2009 5:14 pm
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Guidelines to push credit score to maximum are as below-
1)Have three to five revolving accounts like credit cards
2)one or more installment account like a mortgage or auto loan
3) the older your accounts the better it is for credit score and rating
4)all accounts must be in good standing
5) limit hard credit inquiries to no more than one a month
6) don't charge your credit card more than 15% of the credit limit
Then over the time, you will get a near perfect credit score and rating. |
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sara
Joined: 13 Sep 2009
sara's page
Posts: 31
509 Magic Points
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Wed Oct 07, 2009 5:17 pm
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Hi sunnyca,
To achieve 850 credit score is not impossible.
It can be possible if you apply various tricks to improve credit score.
It is possible. One can improve credit score from scratch to maximum. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4124
1011 Magic Points
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Thu Oct 08, 2009 2:26 pm
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| Sara, you seem to know some things about credit scroes. What is the highest achievable score? I never heard of one in the eight hundreds but that doesn't mean it is not possible. |
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sunnyca
Joined: 10 Sep 2009
sunnyca's page
Posts: 150
950 Magic Points
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Sat Oct 10, 2009 3:14 am
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Sara
I do not say that it is not possible, but you need to really disciplined with your credit usage and how you spend the money
Also it would be good for the reader to know abotu the various tricks you are talking about |
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sunnyca
Joined: 10 Sep 2009
sunnyca's page
Posts: 150
950 Magic Points
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Sat Oct 10, 2009 3:47 am
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Thats correct the credit score range is from 300 - 850
The score is calcuted based on all the information in yoru credit report
Major afctors which can affect this would be lenght of the credit history and the amount you have borrowed and how logn is yoru credt and the type of credit you have and any new accounts |
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turbosb2
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Subject: credit score
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Thu Oct 15, 2009 7:21 pm
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| Experian has their own score scale they dont abide by fair isac,I have a score of 740 with them and their system rates me as a c rating .Their scale goes as follows 500 to 990 what a joke, |
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turbosb2
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Subject: credit score
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Thu Oct 15, 2009 10:36 pm
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| So now i thought i had a good credit rating I just got demoted to just fair with a 740 rating.Sounds like a big scam just to keep interest rates higher on goods and insurance premiums higher because in michigan they check your credit score before they give you a qoute. |
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sunnyca
Joined: 10 Sep 2009
sunnyca's page
Posts: 150
950 Magic Points
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Mon Oct 19, 2009 1:29 am
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Thats bad. Insurance comapnies checkign credit score to give quote
CA is better, they cannot check your credit report to give you quotes |
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The mom
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Subject: Stupid questions...
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Sat Oct 24, 2009 2:41 am
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| Trying to help my son get on track, but there are many terms that I don't understand. What is a "fall off"? What does it mean to your overall when a debt is designated "settled"? Is it at all beneficial to go back & pay that debt in full? What is a "write off"? If a debt has gone to a collection agency, is there a benefit to the credit score to go back to the original creditor? What is the best strategy? Pay off the oldest debts first? The smallest debts first? HELP, please! Thanks. |
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kim09
Joined: 10 Oct 2009
kim09's page
Posts: 24
6 Magic Points
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Mon Oct 26, 2009 3:06 pm
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| 840 IS BEST CREDIT SCORE NOT MORE THAN THAT..... |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3735
10 Magic Points
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Mon Oct 26, 2009 11:40 pm
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| Is that true on with every one of the three credit reporting agencies, do each of them use the same scale? |
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marcusandila
Joined: 27 Oct 2009
marcusandila's page
Posts: 112
2435 Magic Points
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Tue Nov 03, 2009 7:18 pm
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goodnatured, they do not. My credit score differs between each one. I think its ridiculous really. They should all be the same; especially because certain places only look at certain scores. It could be the company that rates you lower & then your interest rates are higher. I personally think they should all be the same OR there should be just one credit bureau to handle credit scores/reports.
My boyfriend had a 740 score before his bankruptcy & he got excellent rates. My score was 690 and I got "average rates". I honestly don't even know what my credit score is right now because there were some things that messed it up. I'm trying to rebuild it back up though after the mistakes. |
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