A Crash Course On Credit Scores
Posted by Nick Niesen on November 8th, 2010
You sit down to look at your credit report for the first time. If you?re scores are above 720, congratulations! You have excellent credit; stop worrying. If you?re scores are not above 700, no problem?let?s get to work. Take solace in the fact that the national average score is around 676 according to the Gallup Organization. If you?re scores are below 400, 500, or 600, there?s definitely room for improvement and only one way to go?up!
If the numbers I?ve mentioned don?t make any sense to you or you have no idea what they mean, don?t fret?I?ll explain. Credit scores range from 350 to 850. All three of the credit bureaus?Equifax, Experian, and Transunion?offer FICO credit scores using a complex mathematical formula developed by Fair, Isaac and Company, but they each give the scores a different name: At Equifax, the FICO is known as the Beacon credit score; at TransUnion, it?s called Empirica; and at Experian, it?s called the Experian/Fair, Isaac Risk Model.
About the AuthorNick Niesen
Joined: April 29th, 2015
Articles Posted: 33,847
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