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My family's credit score .
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ĚChris Torek
medicine forum beginner


Joined: 16 May 2005
Posts: 1

PostPosted: Mon May 16, 2005 12:34 am    Post subject: My family's credit score . Reply with quote

Quote:
In article


wrote:
... We scored a 759 out of 850. This has us puzzled. Just what
does one have to do to get 800???

"Chris Torek"
wrote in message
news:d5jo9p026n6@news3.newsguy.com...
Anything above 740 or so is effectively "perfect".

Actually, I looked this up just now, and most lenders seem to use
720 or so as the "perfect" level (even though Fair Isaac's FICO
scores do go to 850).

Quote:
Having a higher limit on the credit cards (with less money out on
it) improves the score.

In article

karl
wrote:
Quote:
Just the opposite. CC's are good for initially establishing a good credit
history. But, having a lot of unsecured credit hurts your score.

That may be the case with some scorers, but Fair Isaac's FICO uses
a "percent of limit" number. See, e.g.,

..
--
In-Real-Life: Chris Torek, Wind River Systems
Salt Lake City, UT, USA (40░39.22'N, 111░50.29'W) +1 801 277 2603
email: forget about it http://web.torek.net/torek/index.html
Reading email is like searching for food in the garbage, thanks to spammers.
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