is 630 a good score on the credit report?
113927
Not really.  Some lenders (like the one I work for) look for a minimum of 640, others 620. You are right on the borderline.  Anything from 640-699 is ok and 700 or above is considered very good and will likely get you better rates.  I would find out why you are a 630 (delinquencies reporting?  overextended credit cards?  a lot of new debt?) and work on correcting those issues.  Good luck!
253793
What is your credit score?
692118
The higher the limits gives you a better FICO score, the available credit can lower your score (i.e. maxed out cards). If you pay off your cards and keep the accounts open you will have a positive affect on your credit score.  Six months of on time payments can boost your score by 15 points, that's how I raised mine.  I have one revolving account(credit card) and one installment account(car payment) and I've raised my score in the last 3 months by 22 points.
1005382
Answers to your questions:\n1.  I'm assuming you're talking about how often you should check your credit.  I would say at leat every 6 months.  Checking your own credit will not lower your score.\n\nIf you suspect you're at risk for identity theft, you'll want to check it more often.\n\nIf you are planning to buy a home or car, you'll want to keep a close eye on it, as well.\n\n2.  I've heard conflicting advice on that.  I've heard 2 points each time.  But I don't think that's correct.  If you're applying for credit left and right, you're going to look like you're desperate.  Lenders don't want to see a bunch of inquiries on your credit report.\n\n3.  Call the credit card company and ask.  If you have been a good customer they may be willing to raise your limits.\n\n4. Where did I get these answers?  I'm a mortgage loan officer.  I specialize in loans for people with credit problems.  I don't like just turning people down and telling them to have a nice life.  So, I decided to educate myself about credit.  That way instead of just telling my clients that I can't approve them, I can tell them what they need to do to improve their credit, so I can approve them in the future.  I've read tons of books, articles, etc.  Plus, I've been through it myself.  My credit was pretty bad at one point.\n\nI've also written a few articles about credit scoring that you may find helpful:\n\nhttp://leahifft.com/credit_bureau_score.htm\nhttp://leahifft.com/how_can_i_increase_my_credit_score.htm\nhttp://leahifft.com/keeping_your_credit_report_clean.htm
370001
I answered the same question 3 days back and yesterday as well and my answer was chosen as the best answer so just copying the same answer and tying to help you with this.\n\nGood Credit rating is anywhere above 620. The best part of good credit rating is if you have a score more than 620, you can get 100% Finance on your Mortagage.\n\nPoor Less than 450\nFair450 - 619\nGood 620- 749\nExcellentAbove 750\n\nThere are only 4 slab, there is No slab like very good or some thing.\n\nI hope this cleared your enquiry, otherwise feel free to write at refinance@inbox.com
1052556
Hi pradesh ur score is 33.000\n\na decent score of course
327451
For a bank looking at loans 700+, that means they don't want to take any risk and only work with people with near perfect credit. This information is not true. There are plenty of lenders who are going to give you a loan with a score of 645, of course, depending on your income and your current debts (but that's a given). So, for your specific question a 645 is not going to bar you from getting a house. 700+ for a house? Pssh. I've been in this biz for a while now, and if I see you come in with a 645, I'm going to all but make you keys if I see from your credit history that you can pay the note. (But the prev post did say real estate, which, in that case, may be different, because A LOT of realtors won't waste their time w/ people if they know your credit score is low, since they are paid on commission. You will see this often.)\n\nUsually people who have bad credit have scores in the low 500's, so the fact that you've been working on it and got it up to a 645 probably means you have been paying on time and not overextending yourself.
892926
sure, thats actually a fair score. good luck\nI use citibank
1139656
620 is the conforming line in mortgages for a Good rate'=.\n450-619 is the sub-prime market and they charge you higher% rates\nabove 620 you can get certain concessions starting at 660\nthen more at 700-720\nIn the sub-prime market you will not get 100% financing until your score is at 580 or greater. below 580 you get only partial financing\nfrom 450 to 520 about 65 -70% \n521-550  About 85% \n551-575 about 90-95%\nactually any thing below 500 will disqualify you from most lenders. very few will do sub 500 scores at all.\nHope this helps\nI am a mortgage banker and I finance the homes realtors think they know every thing!
987193
My average score is 809. (814 is the highest of the three scores)\n\n699 is respectable.  Just keep up to date with all payments and your score will go up over time.\n\nI think riblix (below) got rejected on a loan to buy a pack of gum.
1039002
credit report program
200993
If you just paid them of it will usually take about 30 days for that to reflect on your credit report.. how bad is your credit if is under 600 you should contact a company called nations point.. 800-770-4277 or H&R Block Mortgage  they usualle work with people that have less than perfect credit.. if you credit score is under550 you should waith or else your interest rate will be really high .. if your credit score is over 600 or better then call E-loan they have some really good programs .. that might be able sutable for you. I work in the mortgage industry
150875
It sounds as if your FICO score has been decimated by your ex. A FICO score is a snapshot of your credit risk picture at a particular point in time. The higher your score, the lower the risk to lenders. A FICO score can range from 300 to 850. The very best rates go to people with scores above 770, but a score of 700 is considered good (the average score is somewhere around 725), says Craig Watts, Fair Isaac's spokesperson. If your score is in the low 600s or below, it's time for concern. As you fall below about 600, you will see an increase in your lending rates. \n\nThe first step to increasing your score is to know where you currently stand. By law everyone is entitled to a free copy once a year. Also, you are entitled to a copy of your credit file free if you have been denied credit from the bureau that reported the information. If you've been denied credit, you must apply for your file this within 60 days of the denial. Log on to http://www.annualcreditreport.com or call 1-877-322-8228.\n\nOne way to instantly up your FICO score is to be put on an account with another individual who has a good credit score. You only need to be an authorized user, NOT actually ever use or even have possesion of the credit card.Your name only has to be associated with the account. By "piggybacking" on an account with someone who has good credit, you instantly up your own. Conversely, being on an account with someone who has bad credit drags your score down (as you have found out!). \n\nGenerally, people with high FICO scores consistently:\n* Pay bills on time.\n* Keep balances low on credit cards and other revolving credit products.\n* Apply for and open new credit accounts only as needed.\n\nFICO scores consider five main kinds of credit information. Listed from most important to least important, these are:\n* Payment history.\n* Amount owed.\n* Length of credit history.\n* New credit.\n* Types of credit in use.\n\nTalk with your lenders about the circumstances around you/ your ex's late payments. You can request that certain data be taken off or amended on your report. They may or may not do it but it is worth a try if it improves your score.\n\nBTW, one thing a person should NEVER do as it ADVERSELY affects their FICO score is close accounts once they are paid off! That actually lowers your credit score. FICO scores take into account your debt to credit ratio: \n\nIf you have 3 credit cards with $1,000 limits on each and they were all maxed out your debt to credit ration would be 100% of your available line. If you paid of two of the cards in full your debt to credit ration would be 33% (you only owe $1,000 on $3,000 of available credit). If you closed the two accounts you paid off and had one card left maxed out at $1,000 you would instantly go back up to a 100% debt to credit ration. So, bottom line when you pay a card off- Never close the account, just cut the card up.\n\nHere is an article from SmartMoney.com on "Credit Fixes That Can Fix You"- http://www.smartmoney.com/debt/advice/index.cfm?story=creditfixes\n\nand "Keeping Score" about improving your FICO score- \nhttp://www.smartmoney.com/nowwhat/index.cfm?story=20020826
996091
Hi I work for a mortgage bank people with good credit  700 and above going full doc (W2 etc.)  0 x30 ( no lates) on your mortgage  no bk  good clean credit you are in the range of 6.75 with no PMI or MI even over 80 ltv this is a 30 fixed mortgage with no buy downs (read GMAC & quicken fine print) If you have any other questions please email at johng@oldmerchants.com
735241
When my score was around 525, last year at Christmas I got approved for a Target credit card, but other than that, the only card I know that is legitimate for bad credit is the Orchard Mastercard (the one you see advertised on Yahoo). Good luck!
702038
Speaking as a nationally known personal credit score and mortgage loan expert....\n\nIf your scores are in the lower middle 400's, there is not much further down you can go. You are 240 points below average and 80 points above the lowest score possible.\n\nI wouldn't worry about your scores going lower if I were you. I'd worry about what got you into the situation where you are -- completely not worthy of credit and never allow that to happen again.
377521
Your score is not the only deciding factor. I would say a 600 is the least score you could have. Unless you have a co -signer.