Fico score range3/18/2023 ![]() For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. Further information is available in our FICO Data Privacy Policy. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Many factors affect your FICO Scores and the interest rates you may receive. Equifax Credit Report is a trademark of Equifax, Inc. Learn moreįICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Your lender or insurer may use a different FICO ® Score than the versions you receive from myFICO, or another type of credit score altogether. All rights reserved.Īll FICO ® Score products made available on include a FICO ® Score 8, and may include additional FICO ® Score versions. If you have some at 30% get them under 30.Ĭopyright ©2001- Fair Isaac Corporation. if you have some at 50% get them under 50. Also you should try to eliminate high utilization accounts. ![]() Optimum would be all but one account reporting at zero. Since you're applying for mortgage scores my advice would be have as many zero balances as possible. People jump on things like that because they would love to have that kind of certainty. The posts which gave you all these thresholds were, in my judgment, faulty in their methodology, and based on inadequate evidence, or in most cases no evidence. If you're talking about aggregate utilization my experience teaches that there are no thresholds, just the lower the better.ģ. If you're talking about individual account utilization my experience teaches me that below 50% and below 30% are important thresholds.Ģ. No one really knows about revolving utilization thresholds. It's like the universe is out to get us now that we're finally ready to move forward.ġ. Another strange thing is that credit agencies (TU, Ex, EQ) that have for months reported on or around the same time are suddenly, this month only, not reporting at those times. Anyway we're buying a house in short order and I made several payments just to get them to the next bucket/range and while the regular credit scores are increasing, I'm not seeing any change in the mortgage scores at all. If I recall correctly, the % for these score increases are: under 88.9%, 68.9%, 48.9%, 28.9% and 8.9%.Īm I misremembering this? I can't seem to find the thread that discusses this, I thought it was pinned but haven't found it. We've followed the utilization rate idea where every time you get into a new range w/ individual cards and/or w/ the aggregate CC balance, you can expect to see some sort of increase.
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