What are the levels for credit scores?
829820
its just a BIG BIG BUSINESS for everyone to pay and have someone tell them what their credit score is.\n\nThe score will cost you $10.00 and up to see were your at BUT who the hell cares about that! Just worry about credit history! the history is important just for us and the scores ONLY and i mean ONLY for the banks on lending 250K and more without secured
982290
The us average is 678 but I've seen people get home loans with as low as 579. (subprime lender)  c level credit is 580 and above b level is 620 and above and a credit is 670 and higher.\n\nI'm a real estate agent.
698193
IT means that you either pay your bills slowly, have collections, or probabally are maxed out on your credit cards. Raise your score by paying down your credit cards and pay your bills on time. 590 is a C-/D+ Credit Score.
909911
It might be helpful for you to get educated on how the credit score is calculated. Then you can see the whole picture. See Below:
1050546
www.annualcreditreport.com\n\nit really is free, there is a charge if you want your score.  gives you the reports from all 3 major credit bureaus
1028905
Borrowers with a credit score over 700 are typically offered more financing options and better interest rates, but don't be discouraged if your scores are lower, because there's a mortgage product for nearly everyone.\n\nPopulation average....\nUp to 499: 1%\n500 - 549: 5%\n550 - 599: 7%\n600 - 649: 11%\n650 - 699: 16%\n700 - 749: 20%\n750 - 799: 29%\nOver 800: 11%\n\nDetermined by your...\n35% - Your Payment History\n30% - Amounts You Owe\n15% - Length of Your Credit History\n10% - Types of Credit Used\n10% - New Credit
879250
The above information is good.  However, please remember not to CLOSE your creit card accounts.  Keeping them with a low balance (or zero balance) is fine.  Despite popular misconceptions, open trade lines (with clean history and low balances) do NOT hurt your credit.  Instead, they establish good credit history which is important for your score.  Below are some general tips for building credit:\n\nDO NOT:\n\n1. Do not open unnecessary credit card accounts or other loans.\n2. Do not close existing credit card accounts.\n3. Do not let individual credit card balances exceed 30% of the credit limit.  Two credit cards each at 25% of the credit limit is much better than one credit card at 50% of the credit limit.\n4. Do not allow unnecessary credit inquiries – meaning, you should not have people pulling your credit unless there is a very good reason.\n\nDO:\n\n1. Do make timely payments on all mortgages, auto loans, and credit cards.\n2. Do request higher credit limits on your existing credit cards.\n3. Do make sure that each of your credit card accounts report the credit limit to the credit bureaus.
1122391
I happen to disagree with many of the above comments.  Scores of 620-650 are considered average, scores above 650 are considered high scores. \n\nThe biggest contributors to your score are:  Paying on time,  Account balances compared to max credit available, Credit length, and type of credit.  The rough percentages are below:\n\nPayment History 35% of your score\nOutstanding Balances 30% of your score\nLenght of Credit History 15% of your score\nType of credit 10% of your score\nInquiries 10% of your score\n\nUsually the number of open accounts does not have an major impact on your credit.  I have actually seen the opposite occur that when you start closing accounts your credit actually drops due to various things such as now you account balances start to get to close to your max available credit, etc.\n\nPay your bills ALWAYS on time.  Pay credit cards down or close to zero every month.\n\nMake sure your balances relative to your max credit is low, somewhere in the 10-20%.  IE if you have a $5,000 limit do not put more then $1000 on the card in a month, and be sure you have funds to pay that down to almost zero when the bill comes.\n\nLenght of credit... If you find it necessary to close any accounts DO NOT CLOSE the ones you have had forever.  Keep those ones open.  Close recently opened credit IF YOU MUST.  The longer you have an account in good standing open the better.  A good length to have a card open is 15 years.  You will be doing good if once you hit that mark.\n\nType of credit... make sure you have a variety of cards, such as gas cards, department store cards, bank issued visa and mastercards, etc.\n\nIf you have a lot of recent inquiries it can lower you credit score as it makes you look desperate for credit.  Try to make sure to not open new accounts within a year or so of eachother.\n\nI have suggestions to help you increase your credit score... Do you own a home?  If not a mortgage will help to increase your credit score... Open auto loan...?   A paid of or open auto loan will increase your credit score... Pretty much and LONG TERM and Large amount loans will have a great impact on your credit score.... If you can show that you have made a 2K house payment for the past 10 years.... You have shown your ability to pay, which will be reflected by your credit score.\n\nDo a voluntary inquiry into your credit.  This does not have a negative effect on your score... You can get it free from www.annualcreditreport.com or you can pay www.myfico.com or other similar site to get your credit score and view your credit report.  Be sure that all the information on your credit report is valid and dispute anything you see as odd.\n\nGet your credit score from all 3 credit bureaus... Equifax, Transunion, and Experian.  Each one scores you differently... You can have a large range of credit scores between the 3... Say for example 720 with transunion, 690 with Equifax, and  708 with Experian.  So it is worth it to see the overall picture.   Please note that when you request your credit report from the bureaus you often do not get your FICO score.  You may have to use www.myfico.com to get those.\n\nMy hand hurts from typing :)  so if you need more help or advise please let me know or email me.  I would be glad to help you in anyway that I can.\n\nHope I was of some help.
416835
A FICO score is a credit score developed by Fair Isaac & Co. Credit scoring is a method of determining the likelihood that credit users will pay their bills. Fair, Isaac began its pioneering work with credit scoring in the late 1950s and, since then, scoring has become widely accepted by lenders as a reliable means of credit evaluation. A credit score attempts to condense a borrowers credit history into a single number. Fair, Isaac & Co. and the credit bureaus do not reveal how these scores are computed. The Federal Trade Commission has ruled this to be acceptable.\n\ni hope this will help
626302
you can buy your score at www.myfico.com\n\nIt's 12.95 last time I checked.\n\nI also got a free score when I went to a workshop at a mortgage company, they do a combined  pull from all three and the score was on it.
770819
350 is the theoretical lowest, but with years in the finance business I have never seen a score below about 400.\n\nIf you have a score under 500 your not going to get any type of credit.  You'll need a 580 to get a home with no money down and a high interest rate.\n\nAt 620, you'll start to qualify for conventional home financing, possibly with no money down, depending on your area and situation.\n\nAt 680, you'll get 100% home financing pretty easily, but at 720 you'll be nearly assured of it.\n\nOver 720 in home financing is steller credit and you'll be able to get just about anything you desire.
230444
re-do the list. List companies can get everything including actual credit scores as well as projected neighborhood scores.\nask for a targeted singles/apartment dwellers list as well as an age list for the retirement set with income/homeowner  selects.
28725
Check this yahoo group. Join the group then click on Go here to view the CreditPulls Databases.You can check the database by state, credit score, or even by credit reporting agency. Hope you find what you're looking for
1056659
FICO, TrueCedit, PLUS are names of companies who sell you report and score information. Each one will show you different scores from the same credit bureau.  \n\nFICO is like an acronym. The old timers refer to it as Beacon Scores. The scores that mean anything are the scores calculated by the three major credit bureaus, These are what FICO is selling you. If you are going to purchase score information, just go directly to the three credit bureaus.
144400
Your credit score is low, but not THAT low. Yes, you can get credit. However, you will pay 2 to 3% above the normal rate.
416875
it depends where you live, but if you are in the US, then there are many free credit report services online.  just google "free credit check" and you can find one that fits you. there is also some for the UK as well.  (please rate as "best answer" - i need your help too!)
828425
To get a good credit score you need to have credit. One good way to get a higher rating is to have a revolving credit card, or if you buy something on installment, make your payment every month and never be late. A few months before the installment note is due, pay it all off. Don't get credit cards where you must pay an annual fee in order to have the priviledge of charging with them. If you have a really bad credit card, close it, but don't open and close too many cards. If you have credit cards, put them away and don't use them. If you open and close credit cards it can adversely affect your credit rating. Do not take out credit cards with department stores, even if they offer discounts on your purchases. In fact, they will lower your credit rating. If you have them, close them, If you want to charge in a store it's better to use a regular credit card such as Mastercard or Visa. Be careful when you apply for loans because every time you apply for a loan the lender checks your credit rating. If you have too many inquiries, that can lower your credit score. If you are about to purchase a vehicle or even a home, shop around for the best interest. If you check with numerous lenders that check your credit rating, it won't lower your score because it will show that you are shopping for a particular purchase and it is good to look for the best interest rate. Once you have credit cards, it's best to keep them open, believe it or not, because if you go for a loan the lender will see that other lenders consider you a good risk. (Maybe it's because they know that if you decide to max out your credit cards and leave the country, there will be a lot of other lenders hunting you down besides them!) If you are just starting out and don't have much of a credit history, go to the bank you bank at and ask for a credit card. They will likely give you one with a low credit limit, such as $200.00. Charge on that card and pay the monthly payment on time. Before long you will have a history of whether you are a good credit risk. If you go to annualcreditreport.org you can get a free credit report once a year. They have information on their web site that will tell you  how to improve your credit rating. Put the credit cards that you already have away in a safe place. Just don't open and close them and open new ones. Use credit cards, but always pay them on time, or at the end of the month to avoid paying interest. Good luck.