what are the credit score categories?
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For a score with a range between 300-850, a credit score of 700 or above is generally considered good. A score of 800 or above on the same range is considered to be excellent. Most credit scores fall between 600 and 750.
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If you have a score of 800 or over, your credit score is considered excellent. Equifax score you out of 700, and a score of 475 and above is generally considered good. Callcredit bases your credit score out of five, with five being the best and one being the worst. The closer you are to 5, the better.
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['There are four main ways to get a credit score:', 'Check your credit card or other loan statement. Many major credit card companies and some auto loan companies have begun to provide credit scores for all their customers on a monthly basis. ... ', 'Talk to a non-profit counselor. ... ', 'Use a credit score service. ... ', 'Buy a score.']
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What Is a FICO Score? A FICO score is a type of credit score created by the Fair Isaac Corporation. Lenders use borrowers' FICO scores along with other details on borrowers' credit reports to assess credit risk and determine whether to extend credit.
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Credit scores calculated using the FICO® score or VantageScore 3.0 scoring models range from 300 to 850. For FICO® scores, a good credit score is 670 to 739 with a higher score being very good or excellent. For VantageScore 3.0 scores, a good score is from 700 to 749 with a score from 750 to 850 being excellent.
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A person with a credit score of 714 is classified as having a “good” credit score and is likely to find access to loans, mortgages, credit cards and other forms of credit to be easier to attain than for those with lower credit scores. ... A credit score of 714 is considered to be in the “good” range.
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On its face, a credit score is merely a numerical representation of the data in your credit reports held by the three major credit bureaus, TransUnion, Experian, and Equifax. ... Essentially, this means that your score can not only be confusing but also that there is no such thing as an “accurate” credit score.
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Your FICO® Score falls within a range, from 740 to 799, that may be considered Very Good. A 750 FICO® Score is above the average credit score. Borrowers with scores in the Very Good range typically qualify for lenders' better interest rates and product offers.
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A person with a credit score of 718 is classified as having a “good” credit score and is likely to find access to credit cards, loans, mortgages and other forms of credit to be easier to attain than for those with lower credit scores. ... A credit score of 718 is considered to be in the “good” range.
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Types of Credit: Open-End & Closed-End Credit Options The most common form of revolving credit are credit cards, but home equity loans and home equity lines of credit (HELOC) also fall in this category. ... The interest rate for installment loans varies by lender and is tied closely to the consumer's credit score.
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Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.
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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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A credit score of 721-880 is considered fair. A score of 881-960 is considered good. A score of 961-999 is considered excellent (reference: https://www.experian.co.uk/consumer/guides/good-credit-score.html). TransUnion (formerly known as Callcredit) is the UK's second largest CRA, and has scores ranging from 0-710.
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For a score with a range between 300-850, a credit score of 700 or above is generally considered good. A score of 800 or above on the same range is considered to be excellent. Most credit scores fall between 600 and 750. ... There are many different types of credit scores.
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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. As mentioned, there are different versions of the FICO score, and each credit bureau uses a specific one to determine borrowers' creditworthiness.
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A credit score is a number, generally between 300 and 900, that helps determine your creditworthiness. ... Although credit scoring models vary, generally, credit scores from 660 to 724 are considered good; 725 to 759 are considered very good; and 760 and up are considered excellent.
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70% of U.S. consumers' FICO® Scores are higher than 650. What's more, your score of 650 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.