what are the credit score ranges for equifax?
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The Equifax Credit ScoreTM ranges from 300-900. Higher scores are viewed more favorably. Your Equifax credit score is calculated from the information in your Equifax Credit Report. Most lenders would consider your score very good.
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Both the Equifax Credit Score and the FICO Score are general-purpose score models used to predict credit risk. The Equifax Credit Score is a proprietary model created by Equifax. The FICO Score is a proprietary model created by Fair Isaac Corporation (FICO) .
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You actually have several scores Score 8 is the most widely used, while Score 9 is the most recent. But there's one place you're unlikely to get your actual score from, and that's free credit reports. FICO charges a fee in order for an institution to use their actual credit scores.
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The vast majority of home mortgage lenders issuing new mortgage loans and refinancing existing mortgages use specific versions of the standard FICO® Score, with a score range of 300 to 850, when evaluating mortgage applications: FICO® Score 2 based on Experian data (also known as Experian/Fair Isaac Risk Model v2)
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What is the difference between the Equifax Credit Score™ and the FICO® Score? ... The Equifax Credit Score uses a numerical range of 280 to 850, where higher scores indicate lower credit risk. The FICO Score uses a numerical range of 300 to 850, where higher scores also indicate lower credit risk.
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Fair Isaac, the makers of the FICO score, is tight-lipped about exactly how the scores are calculated. But they do give the weights of various criteria that they look at: 35% payment history, 30% amount owed, 15% length of history, 10% new credit, 10% types of credit used.
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FICO® scores are the credit scores most lenders use to determine your credit risk and the interest rate you will be charged. You have three FICO® scores, one for each of the three credit bureaus – Experian, TransUnion and Equifax. Each score is based on information the credit bureau keeps on file about you.
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A credit score between 500 and 630 would be deemed average. A credit score from 630 to 620 would be deemed good. And anything above 720 would be deemed high and excellent; if the company does use common sense, they would have to look at a credit score and Analize why such credit score is in the position it is.
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Since the information on your credit reports at each bureau can differ, your Equifax credit score and FICO score can differ depending on which credit report is used to calculate the score. The Equifax credit score model uses a numerical range between 280 and 850, and FICO score models use a range between 300 and 850.
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Your score falls within the range of scores, from 740 to 799, that is considered Very Good. A 765 FICO® Score is above the average credit score. Consumers in this range may qualify for better interest rates from lenders.
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The FICO Score is a proprietary model created by Fair Isaac Corporation (FICO) . All Equifax consumer services and tools make use of the Equifax Credit Score unless otherwise indicated. ... The FICO Score uses a numerical range of 300 to 850, where higher scores also indicate lower credit risk.
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We consider a 'good' score to be between 881 and 960, with 'fair' or average between 721 and 880. Your free Experian Credit Score can be a useful guide and gives you an idea of how companies may see you, so you can make more informed choices when it comes to credit.
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FICO just provides a numerical credit score, based on an individual's payment habits and the amount of debt they carry. Credit burueaus Experian and Equifax both provide scores, too, but they also provide detailed credit histories on individuals.
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Mortgage lenders tend to use all three of your scores – from Experian, TransUnion and Equifax – to evaluate you for a home loan. ... Here are the FICO scores mortgage lenders typically use from each bureau: Experian: FICO Score 2 based on Experian data; also known as Experian/Fair Isaac Risk Model Version 2.
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70% of U.S. consumers' FICO® Scores are higher than 664. What's more, your score of 664 is very close to the Good credit score range of 670-739. With some work, you may be able to reach (and even exceed) that score range, which could mean access to a greater range of credit and loans, at better interest rates.
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Both the Equifax Credit Score and the FICO Score are general-purpose score models used to predict credit risk. The Equifax Credit Score is a proprietary model created by Equifax. ... The FICO Score uses a numerical range of 300 to 850, where higher scores also indicate lower credit risk.
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In FICO's scoring model, scores in the 800 to 850 range are considered exceptional, or best. A given lender, however, may consider scores in the 750 to 850 range as best and categorize those borrowers as tier 1.