What should be best credit score             Click here to Print

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#markdeviz - Says,

Hello everyone

What should be best credit score to get everything at low rate.

#fireyone - Says,

There was an old post on this but I can't remember where it was on the forum. Anyone out there know which post it was? Anyway my hubby has a score in the upper 600's and he has lower rates. Someone around here can give you a little more detailed info so check back.
#goodnatured - Says,

The higher your score the better your rate will be, usually they say that 700 or above is excellent. Do you have any idea what your score is right now? What type of loan are you going for? If you can find out what your score is you will get some pretty good advice here.
#fireyone - Says,

GN is correct. There is alot of help here at this forum. If you need any thing answered about credit you came to the right place. GN do you knw what the cost is in getting your credit score? If you have had recent fall offs does that raise your score at all. I will have two fall off by Sept. end and will on ly have one mark on mine, well make that two, I have a hosp. pne on their too but I plan on disputing it once the biggy falls off.
#anthony - Says,

Hi markdeviz
Any credit score of 700 and above gives you the best deal on all types of loans. At 720 you are considered safe by the creditors and so they offer you the lowest rates on interest and other charges. So once you reach 720 you need to consider maintaining this credit score in this level without increasing it further.

#Justin - Says,

Yes, Anthony is right because once your credit score crosses the 720 point you may start receiving calls from credit card companies offering you credit cards and from creditors offering you loans at low interest rates. But you should not accept these offers until and unless you require it. This is because if you take loans influenced by low interest rates and unable to repay it on time, your credit score will decrease. Now if your credit score falls below 700, you may not get loans at low rates.
#fireyone - Says,

If you don't want all these credit card places contacting you you can go to www.optout.com. That will keep all the credit card apps from accumulating in your mailbox.
Justin, What is the highest credit score a person can have?

#1002543 - Says,

760+
#goodnatured - Says,

I think Justin said it right, anything 720 and over is a terrific score
#1002543 - Says,

I respectfully disagree. Due to recent credit crunch CCC's have changed their standarts. So if one wants to get the best rates he/she needs score of 760 and higher.
#goodnatured - Says,

okay, I am not gonna argue that 760 is a very, very good score, you would surely get a really good rate with that score.
#fireyone - Says,

But what is the highest aceivable score? I never even kn ew there was a possibility of 760. Ther has to be a number out there that is the highest available.
#goodnatured - Says,

I think the highest is 800, unless somebody comes on here and corrects me.
#1002543 - Says,

The highest FICO is 850
#fireyone - Says,

Wow that is really high. Wonder how a person can achieve a score like that? I can see now why paople taliking about a score in the 500's isn't the greatest.
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