Friday, October 23rd, 2009

What is the scale on credit scores? Does it differ from state to state?

credit score scale
gokusgirl_2000 asked:


Meaning what numbers generates poor to outstanding credit

example:

100 – 300 poor
400 – 500 some what poor

Note – that is only an example, just to help get my question answered.
I’m not asking how I could obtain my own credit score, I want to know what is the levels of credit score numbers that ranges from poor to outstanding. Thanks for the input.

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5 Responses to “What is the scale on credit scores? Does it differ from state to state?”

wh1tedragons_g1rl Says:
October 23rd, 2009 at 8:00 pm

300 poor 850 great i just went on the website a few days ago to get mine.

Daniel R Says:
October 26th, 2009 at 1:43 am

The FICO score from FairIsaac is 300 to 850.
It does NOT vary state by state. You can get a breakdown of what ranges people fall in, as well as a lot of other information, at the URL I put in the source.

RATED R SURER STAR Says:
October 26th, 2009 at 8:48 pm

it is the same every were so moving won’t help ya

sprengerrobert Says:
October 26th, 2009 at 9:56 pm

Okay, before moving, get you full report (http://freecreditreport.com is one example of where), then clear up any discrepancies before you move and report any errors.

After this, this is THE ONLY Way to change your score as from state to state doesn’t matter, your credit score is unified thru the US by the three reporting agencies and won’t change anytime soon. Now, there are some companies that don’t report to all 3 agenices, which makes no sense and even some of your utilites and phone services don’t report as well, hence if completely in good standing with them it wont matter unless you default and then the collection service will report

To me the 300-850 system is arbitrary at best as of what I just stated above, most people would’ve either have an extremely varying score due to these cell phone companies, cable/satellite subscriptions, etc.

best of luck on the move

Lamb725 Says:
October 27th, 2009 at 9:26 pm

FICO scores range from about 300 to 850 and exhibit a left-skewed distribution with a US median around 725. A score above 720 is considered to be “good credit,” and a score below 600 is considered to be poor.

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