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What should be best credit score

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marcusandila



Joined: 27 Oct 2009
marcusandila's page
Posts: 133



3016 Magic Points

 
Posted on Tue Nov 03, 2009 7:50 pm  

You're right. Seriously, I think employers checking credit reports shows nothing except that well, the candidate is behind on bills because they don't have a job. I know when I was in charge of hiring, I never checked up on people's credit reports. For the reason that I just said. Honestly, that's MORE of a reason to give someone a job, not deny them because they are behind on their payments.

I know of one. The IRS. There should be regulations on all of them. It's ridiculous the freedom they have, like you said. Makes me sick really. Don't get me wrong, I love the USA, but it just is horrible that they will make you homeless and ruin your life & couldn't care less.
Alisha kay
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Posted on Fri Jul 16, 2010 3:06 am  

Me and my husband are in the process of buying 23 acres so they had to check out what our credit scores are and i was so suprised to find out that mine was a 778 and my husbands was 806 i didnt know they could go that high, know instead of us paying a 7 to 8 percent intrest rate on the land we are now in the 5 percent range because of our fico score .. soooo excited..Smile
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1883



1916 Magic Points

Subject: credit
 
Posted on Sun Jul 18, 2010 1:58 am  

Oh, yea!! The higher your Credit score, the lower % you would pay for a loan. Mine is NOW 580-600. (For me)..that's a MIGHTY jump, compared to a few years ago!! Slowly, but surely, getting things taking care of.
moniquec11



Joined: 27 Dec 2010
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Posts: 8



146 Magic Points

Subject: credit score
 
Posted on Mon Dec 27, 2010 11:52 pm  

FICO score is 350-850
I have seen credit reports in the 390's and as high as 800's! It is not too often to see either of these. Bad credit is usually in the 450-580 range. 720 and above will give you the best rates...it is rare to see blemishes on the credit with these scores. But I have seen people in the 700 range with Bankrupcty's still on their credit report...It is just amazing how the whole thing works....lolol...
Shannon
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Posted on Wed Feb 02, 2011 3:24 pm  

It was my understanding that when your credit score is checked, especially a lot, it has a negative effect on your credit score.Is this correct? I have a credit score of 765, I am still kind of young 21yrs, but I have been looking into buying my first home recently. What kind of interest rate should I expect on a loan of 100,000?
misaelwade



Joined: 07 Feb 2011
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Posts: 10



122 Magic Points

 
Posted on Mon Feb 07, 2011 6:37 am  

Basically, the credit scores that are considered prime are between 720 and 850.Also, you must be aware that your credit rating may differ with each bureau. This is because different creditors are reporting to different bureaus so the data from each bureau can differ from one another.
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Hgvhv
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Subject: gHWmFvCqnMq
 
Posted on Sat May 12, 2012 2:58 am  

It will definitely imovrpe your score but not a great deal. The majority of your credit score is recent payment history and recent delinquency. So something negative from 2002 dropping off will imovrpe your score it will not have an immense increase. The best way to keep your score up is to not be late, limit the amount of inquiries you have and try to keep you balance at no more than 50% of your credit line.
Pluss
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Subject: GFXXYKLKYtXfDsN
 
Posted on Tue Jan 08, 2013 12:22 am  

Let's see you have horrible ceidrt , and you want to borrow $4000. Hm. Nope. I believe I'll pass. Looky here: if you have horrible ceidrt , you're not in a position to dictate the terms of any loan you might be lucky enough to fall into. Lenders look at your past to predict your future and looking at your past, they'll see that you don't pay your debts on time or at all. That said, they'd be foolish to let you have any money. You've already shown you're not trustworthy.This is a pretty harsh answer, but it sounds like harsh is something you haven't had enough of yet.
Purwadi
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Subject: dDtYdWaEqwiEWo
 
Posted on Fri Apr 12, 2013 1:17 am  

I have heard on the radio about a program that, if you have over 10,000 in criedt card debt, will cut your debt in half as part of the Recovery Act. Wouldn't something like that hurt your relationship with the card issuer
Marcelo
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Subject: vSmRcNEtmqgNEDRJcPD
 
Posted on Fri Apr 12, 2013 4:26 am  

After reading this I thhguot it was very informative. I appreciate you taking the time and effort to put this post together. Once again I find myself spending way to much time both reading and commenting. But so what, it was still worth it!
milesmaxx



Joined: 19 Aug 2013
milesmaxx's page
Posts: 6



128 Magic Points

 
Posted on Fri Aug 30, 2013 11:13 am  

I think to get everything at low rate, you should have best credit score and to manage this score I think below given steps might be helpful to you...

> The first thing you need to do is know where you are now, in order to know where you're going or want to go. Unlike your credit report, which you can get for free once a year, your score does not come free but it's a small cost and well worth paying for.

> Resist responding to all those "pre-approved" credit card offers you get in the mail. This also includes offers sent to you online.

> Avoid jumping from credit card to credit card. If you "transfer your balance" - a scheme that doesn't hurt you, and gets you 0% interest on your balance for a period of time, sometimes as long as a year - don't close the old account.

> Be stable. There are several ways to impress the stability of your life on a credit score reviewer buy your own home,avoid moving around a lot,get married.
> Rely on your seniority in age. This you really can't do anything about, being older, but at least there's something good about aging.
> Pay your bills on time, regularly.
> Reduce your debt to credit ratio.
> Dispute things on the credit report that are 'wrong'.
>Note that 'paying off' loans increases your score.
> Getting rid of as much of your debt as you can is the first and most important step in improving your credit.
> Build up different types of credit.

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Miami Beach Real Estate
jennylove143



Joined: 24 Oct 2013
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Posts: 1



11 Magic Points

Subject: What should be best credit score
 
Posted on Fri Nov 01, 2013 2:47 pm  

It depends, generally 700, 720 or higher are considered good or great credit. If you are looking to buying a car and you are in the mid 600 – 650 and up you should be able to get a good interest rate. Good being 6% or lower. When buying a home (most of the rates are low right now), you can get a good rate being a 620-640 depending on the program. But if you wanted to know what a great credit score is – it's anything from 720 and up.
DibbaDemelab



Joined: 24 Jul 2014
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Posts: 3



56 Magic Points

 
Posted on Thu Jul 24, 2014 4:50 am  

In general, a good credit score is above 700. You'll typically get approved and get a good interest rate for most credit-based applications.
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LucyCowlergni



Joined: 28 Jul 2014
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Posts: 7



64 Magic Points

 
Posted on Mon Jul 28, 2014 5:58 am  

Excellent Credit: 750+
Good Credit: 700-749
Fair Credit: 650-699
Poor Credit: 600-649
Bad Credit: below 599

Good Luck for making your credit score excellent.
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DevonHallfuf



Joined: 30 Jul 2014
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Posts: 4



36 Magic Points

 
Posted on Wed Jul 30, 2014 4:33 am  

750+
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