Post New Topic

credit score

jgl Posted:

credit score

out of curiosity .. what is the BEST credit score you can have...

is it 775 ? 800?
Espo22 Posted:

Re: credit score

I think its 800
chrispar Posted:

Re: credit score

850

Espo22 Posted:

Re: credit score


Posted by chrispar

850



ok so even higher lol
jgl Posted:

Re: credit score


Posted by chrispar

850



really that high.. hmm i keep hearing different #s

ETA i jsut found it is 850.. hmmm i wish i knew how they figure out your score
Espo22 Posted:

Re: credit score


Posted by jgl


Posted by chrispar

850



really that high.. hmm i keep hearing different #s



here i found this on a site

The highest credit score one can achieve is the magical FICO number of 850, which is a perfect score and the person that achieves this will find themselves being offered every form of financing and loan product imaginable. The highest scores usually range in the area of 720-850. This range is considered to be excellent credit. Anything above a 700 score is considered good. The goal of 700 or higher is key when looking for the best benefits of having an exceptional record. It is important to understand what these numbers are, how they are determined, and of course, how to improve them.
chrispar Posted:

Re: credit score

I just asked Fh and he has to run credit for his job. He says 850

jgl Posted:

Re: credit score


Posted by Espo22


Posted by jgl


Posted by chrispar

850



really that high.. hmm i keep hearing different #s



here i found this on a site

The highest credit score one can achieve is the magical FICO number of 850, which is a perfect score and the person that achieves this will find themselves being offered every form of financing and loan product imaginable. The highest scores usually range in the area of 720-850. This range is considered to be excellent credit. Anything above a 700 score is considered good. The goal of 700 or higher is key when looking for the best benefits of having an exceptional record. It is important to understand what these numbers are, how they are determined, and of course, how to improve them.



ohhhh thanks so much!!
Espo22 Posted:

Re: credit score


Posted by jgl


Posted by Espo22


Posted by jgl


Posted by chrispar

850



really that high.. hmm i keep hearing different #s



here i found this on a site

The highest credit score one can achieve is the magical FICO number of 850, which is a perfect score and the person that achieves this will find themselves being offered every form of financing and loan product imaginable. The highest scores usually range in the area of 720-850. This range is considered to be excellent credit. Anything above a 700 score is considered good. The goal of 700 or higher is key when looking for the best benefits of having an exceptional record. It is important to understand what these numbers are, how they are determined, and of course, how to improve them.



ohhhh thanks so much!!



no problem, i remember when i used to have 740
jgl Posted:

Re: credit score


Posted by Espo22


Posted by jgl


Posted by Espo22


Posted by jgl


Posted by chrispar

850



really that high.. hmm i keep hearing different #s



here i found this on a site

The highest credit score one can achieve is the magical FICO number of 850, which is a perfect score and the person that achieves this will find themselves being offered every form of financing and loan product imaginable. The highest scores usually range in the area of 720-850. This range is considered to be excellent credit. Anything above a 700 score is considered good. The goal of 700 or higher is key when looking for the best benefits of having an exceptional record. It is important to understand what these numbers are, how they are determined, and of course, how to improve them.



ohhhh thanks so much!!



no problem, i remember when i used to have 740



i just had mine done today for a car loan.... its 728.. but im NEVER late so i was wondering why it wasnt higher.. but whatever its still really good
chrispar Posted:

Re: credit score

They look at debt to income ratio and revolving debt, delinquencies, lateness

jgl Posted:

Re: credit score


Posted by chrispar

They look at debt to income ratio and revolving debt, delinquencies, lateness



thanks for the info!!!!!!!!!!!!!!!!!!!!
Espo22 Posted:

Re: credit score


Posted by jgl


Posted by Espo22


Posted by jgl


Posted by Espo22


Posted by jgl


Posted by chrispar

850



really that high.. hmm i keep hearing different #s



here i found this on a site

The highest credit score one can achieve is the magical FICO number of 850, which is a perfect score and the person that achieves this will find themselves being offered every form of financing and loan product imaginable. The highest scores usually range in the area of 720-850. This range is considered to be excellent credit. Anything above a 700 score is considered good. The goal of 700 or higher is key when looking for the best benefits of having an exceptional record. It is important to understand what these numbers are, how they are determined, and of course, how to improve them.



ohhhh thanks so much!!



no problem, i remember when i used to have 740



i just had mine done today for a car loan.... its 728.. but im NEVER late so i was wondering why it wasnt higher.. but whatever its still really good



thats real good so don't worry...it can be for different reasons, maybe you haven't built enough credit
chrispar Posted:

Re: credit score


Posted by jgl


Posted by chrispar

They look at debt to income ratio and revolving debt, delinquencies, lateness



thanks for the info!!!!!!!!!!!!!!!!!!!!



no problem
jteach711 Posted:

Re: credit score

Usually anything over a 700 is very good. I f you have over a 700 you can usually be approved for just about anything. My fh is a mortgage broker and he runs mine every 6 months for me.

Espo22 Posted:

Re: credit score


Posted by chrispar

They look at debt to income ratio and revolving debt, delinquencies, lateness



hahaha im just gonna let you answer these questions
chrispar Posted:

Re: credit score


Posted by Espo22


Posted by chrispar

They look at debt to income ratio and revolving debt, delinquencies, lateness



hahaha im just gonna let you answer these questions



We just bought a house in sept so all last year i was obsessed with my credit...
jgl Posted:

Re: credit score

i def have enough credit but ... who knows its prob a lateness that i dont even remember or who knows what..

now im trying to get the best interest rate for my loan..

Nassau educators quoted me 5.79% which is pretty good.
chrispar Posted:

Re: credit score


Posted by jgl

i def have enough credit but ... who knows its prob a lateness that i dont even remember or who knows what..

now im trying to get the best interest rate for my loan..

Nassau educators quoted me 5.79% which is pretty good.



what kind of car
Espo22 Posted:

Re: credit score


Posted by jgl

i def have enough credit but ... who knows its prob a lateness that i dont even remember or who knows what..

now im trying to get the best interest rate for my loan..

Nassau educators quoted me 5.79% which is pretty good.



well its also other things, not just credit cards, like owning things, a house, car, business, boat whatever lol.

Yeah if you're late just ONE time they take off ALOT of points.

Reply to this topic

Log in to reply or quote a post.