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Forum index » Medicine forums » nutrition
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

In article

... 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
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).

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

In article

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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