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EXPERIAN: 630
EQUIFAX: 639
TRANSUNION: 681
How would you guys rate these credit scores? good/terrible?medium?
A while back i used to be in the mid 750′s.. but because of a car accident.. hospital bills.. and the other parties insurance not paying the bills yet so they got sent to collection… and now my credit dropped to those numbers 
Tags: car accident, credit scores, Equifax, Experian, hospital bills, insurance
I’m 18 and have been working on building my credit since March (when I turned 18). I understand that building a long credit history helps raise your score, so I know I won’t automatically start with a score in the 700s or 800s.
My current scores are TransUnion – 662 Experian – 662 and Equifax – 649.
I would like to purchase a car at some point in the next 6 months, so I would like to know, are these reasonable scores?
Thanks!
Tags: Credit history, Equifax, Experian, score
There is no such standard system that can specify a good credit score. Different financial bodies or groups set a standard of their own to use this indicator to offer loan to the people in need of financial help. Normally a 700 FICO credit score is considered good whereas the range starts from 300 and ends at 850. While searching online, you can observe different credit score criteria as a pre-qualification to get a loan. This statistical number determines the loan amount, rate of interest and the length of loan you are eligible for.
A good credit score indicates a good financial status and credibility. There is a particular mathematical formula that derives the number analyzing your credit report with the help of it. This score reflects and predicts the nature of your future repayments. You must clearly understand that your credit score will be different at different credit scoring models. The reason is that the percentage factors and parameters are different at different models.
Fair Isaac Corporation (FICO) came as a savior to set some standardization in generating credit score. FICO is a California based organization that developed the first credit score with the help of a specific standard scales used for different parameters. The system has been accepted by all leading financial institutions.
There are three major credit organizations – Trans Union, Experian, and Equifax who use their independent version of FICO scoring system. It has been revealed in a recent study that forty five percent of the American people have a good credit score on an individual basis. Their scores lie somewhere between 700 and 800. It is truly a kind of freedom and honored privilege to enjoy the benefit of a good credit score.
Tags: Credit score, Equifax, Experian, Fair Isaac Corporation, FICO, Loan, TransUnion
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