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Estimate your FICO Credit Score (FREE)

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Your estimated FICO® score range is: 730 to 780

Congratulations! According to the information you provided, lenders will likely perceive you as having EXCELLENT credit! You should have little problem getting the most favorable loan rates and terms.

My actual score from all 3 agencies is actually 760. Not bad at all.
 
Originally posted by: brtspears2
Mines 685-735, though I checked last month getting a real credit report, it gave me only 660.
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Maybe you need to answer the questions honestly? 😀
 
Originally posted by: kt
Your estimated FICO® score range is: 730 to 780

Congratulations! According to the information you provided, lenders will likely perceive you as having EXCELLENT credit! You should have little problem getting the most favorable loan rates and terms.

My actual score from all 3 agencies is actually 760. Not bad at all.
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Did you just pay the $30 to get that?
 
Nice page, thanks. Depending on how I answered a few (interpretation) I ranged from 735-765 or 745-795. I think the key for mine is the % of available balance I have used, which is low. When I went back and updated the balance amount and kept the % low it bumped up the next range. I wasn't sure what to answer for balances as we pay them off monthly and they vary.

 
Thanks, it says mine is 730 - 780, hard to believe since I got a 4.49% rate on a 5 year auto loan. I thought my fico would be lower since that's not really a good interest rate.

now I'm curious, where's the cheapest place to get your fico score?
 
Your estimated FICO® score range is: to 740 to 790
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Quite accurate. Last time I checked my FICO was 786.

Good tool!

Heh - just redid it and it now says I should be between 755-805. What gives?😕

Oh well, its free I guess and still within the range!
 
Originally posted by: fivespeed5
Thanks, it says mine is 730 - 780, hard to believe since I got a 4.49% rate on a 5 year auto loan. I thought my fico would be lower since that's not really a good interest rate.
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That's not bad if its through a bank. In my experience, the only way your going to get killer rates for an auto loan is through the mfg for a promo... like the big 0-1.9% being offered now.
 
Originally posted by: fivespeed5
Thanks, it says mine is 730 - 780, hard to believe since I got a 4.49% rate on a 5 year auto loan. I thought my fico would be lower since that's not really a good interest rate.

now I'm curious, where's the cheapest place to get your fico score?
Click to expand...
Actually, that is a good rate on a car loan.
 
Originally posted by: pyonir
Originally posted by: iamwiz82
DO student loans count towards loan balances? I have heard yes and no.
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Most of the questions had student loans as an example of what to use...so I included them. that would make a huge difference in mine if i were not including them.
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Where?

As an example, let's say you have two accounts:
- one auto loan with balance of $7,000
- one credit card with balance of $1,500
Your total balances on all non-mortgage accounts would be: $8,500 ($7,000 + $1,500).
Click to expand...

As an example, let's say you have two credit cards:
- one with balance of $250 and limit of $1,000
- one with balance of $750 and limit of $4,000
Your total credit card balances would be $1,000 ($250 + $750), your total credit limits would be $5,000 ($1,000 + $4,000), and the percent of your total credit limits that your credit card balances represent are: $1,000 divided by $5,000, or 20%.
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Originally posted by: iamwiz82
Where?
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I guess i was using #2 as a basis. It states
2. How long ago did you get your first loan? (i.e., auto loan, mortgage, student loan, etc.)
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so when you get to question six, all other loans excluding mortgage I would include the "i.e" loans (auto and student). *shrug*
 
Your estimated FICO® score range is: 705 to 755

Congratulations! According to the information you provided, lenders will likely perceive you as having GOOD credit! While you may not qualify for the best interest rates that lenders offer, you should have little problem getting favorable loan rates and terms.

Cheers,
Aquaman
 
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