Credit scores ... where do you check yours?

[dud]

Equifax goes to 850 but you can't ever get there. The last one I had, mine was 815. I've had no late payments, my debt ratio was very low, multiple types of credit (home, auto, credit card, etc), absolutely no reason that I should not be an 850. However, the report listed 3 reasons (Equifax always has 3 reasons on the reports I pull at work) why I didn't have a perfect score. One was that my outstanding revolving debt was too high. $43 on my visa. Called my rep and she told me that no one can get an 850, it's gamed that way.

Anyway, for Equifax, 700+, imo. But that's subjective. The person reading the report "should" take other factors into account when approving/denying credit.

Also, the score is comprised of multiple components. Here.

Thanks. I am not too concerned about my score since I do not need credit but was curious as to what could cause a lower score. The only thing that I can think of is "... multiple types of credit (home, auto, credit card, etc)". Other than a few CCs I have no other forms of credit. I've never had a car loan ...

 

[highland145]

Thanks. I am not too concerned about my score since I do not need credit but was curious as to what could cause a lower score. The only thing that I can think of is "... multiple types of credit (home, auto, credit card, etc)". Other than a few CCs I have no other forms of credit. I've never had a car loan ...

That'll do it.

 

[HardcoreRobot]

the score is just a derivative of the report. the report is much richer. not to mention there are multiple formulas for calculating scores, and some of them arent even the same ones that will be used on a credit check.

 

[Svnla]

So what would you consider to be a "good-to-excellent" score? I know that they range up to 850. I have no debt, my credit report is all green and yet I fell far below that.

Not sure about other scores but for the grand daddy of them all, FICO, anything over 800 (maximum is 850) is very darn good. High 700s range is not bad either.

 

[bobross!]

Actually Equifax goes to 900 now, I have seen as high as 876. I am in finance

 

[highland145]

Actually Equifax goes to 900 now, I have seen as high as 876. I am in finance

Did not know that but my customers typically think that an I9 is better that an I1 and go for the highest total they can get.



I'm not in finance. I'm an adult babysitter.



Looks like their site is outdated.
https://help.equifax.com/app/answers/detail/a_id/244/~/equifax-credit-score%E2%84%A2-vs-fico%E2%AE-score

The Equifax Credit Score uses a numerical range of 280 to 850

 

[JEDI]

A friend mentioned that you can get your credit report at Annualcreditreport.com. I successfully viewed my report via Equifax but was told that:

"Did you know that your free annual credit report does not include your credit score? Know where you stand by getting your credit score today.

Order your Equifax Credit Score™ with this credit report for only $7.95"


Regardless of the price I refuse to pay for a score that is mine. Please let me know if/how you determine what your credit score is FREE.

Thanks ...

pay for it cheapskate

 

[Anubis]

TBH i never have

 

[Kelvrick]

I use Credit Karma and Credit Sesame. Then I use the annual free report and there are always deals that pop up for free reports from the three agencies. This gives me a good enough idea of where I am. That, plus experience of how the above compare to my scores when I get something run against my credit (credit card, car purchase, refinance, etc).

 

[amdhunter]

Everytime you check your score it drops 10 points.

 

[soulcougher73]

I don't care what number i am. I don't check it. Could care less and surprisingly in in the 740+ club /shrug

 

[amdhunter]

I just go by how much the dealerships drool just by knowing my name. Even Audi offered to lease me an R8 at one point, so I think I am pretty good.