FICO scores: 40% of US is above 750

[JEDI]

apparently now when u apply for a credit card, u get your credit score even if u are approved for the credit card.

it also has a bar graph telling you Fico credit score range.

750-799 21%
800-850 20%

but the copy right on the gragh is dated 2010

 

[TecHNooB]

inb4 texashiker

 

[slayer202]

oh ya?

 

[goog40]

I have a hard time believing 20% are over 800.

 

[JEDI]

I have a hard time believing 20% are over 800.

thats what it says on the graph that came w/my credit card approval

 

[FoBoT]

i am triple AAA baybee

 

[kranky]

According to my Creditkarma report of FICO scores, 15.9% nationally are in the 750-799 range, and 5.7% are 800+.

It is difficult to believe that 20% are over 800.

 

[Pardus]

I have a hard time believing 20% are over 800.

mine is :sneaky:

 

[classy]

According to my Creditkarma report of FICO scores, 15.9% nationally are in the 750-799 range, and 5.7% are 800+.

It is difficult to believe that 20% are over 800.

That sounds more plausible. I seriously doubt 20% of America has a credit rating over 800.

 

[XZeroII]

I'm having a hard time believing that the OP isn't retarded. SPEAK ENGLISH!!!

 

[Exterous]

I have a hard time believing 20% are over 800.

Yeah me too

 

[xanis]

Did the report say what percentage is over 9000?

 

[JEDI]

According to my Creditkarma report of FICO scores, 15.9% nationally are in the 750-799 range, and 5.7% are 800+.

It is difficult to believe that 20% are over 800.

*shrugg*
thats what it says

 

[fuzzybabybunny]

Where do you go to get the actual FICO number? Those free credit report things never just give you a damn number.

 

[RockinZ28]

Where do you go to get the actual FICO number? Those free credit report things never just give you a damn number.

MyFico.com. Sign up for the free 10 day trial, cancel subscription before 10 days.

Creditkarma is free and does give you a free transunion score daily if desired. Not perfectly accurate, but close.

 

[ChaoZ]

Where do you go to get the actual FICO number? Those free credit report things never just give you a damn number.

My credit union gives the score out for free every quarter. I just joined so I haven't seen mine yet.

 

[Corporate Thug]

as long as you are in the 750 range, you're fine.

 

[nonameo]

as long as you are in the 750 range, you're fine.

So, I guess anywhere from 60-80% of americans are screwed then. Sounds wonderful.

 

[Dr. Zaus]

credit is a means by which the hegemony of power perpetuates itself.

 

[Suspicious-Teach8788]

a lot of places give you simulated numbers, and a lot inflate scores, and some have ridiculous scales that give you high numbers. I'm high 700s with 4 CCs for the past 7 years where I pay 100% of my balance off every month. Maybe it's cuz I'm 25 or whatever or because I don't have loans, but my credit history is spot clean. I'm curious how to get over 800.

 

[Rumpltzer]

a lot of places give you simulated numbers, and a lot inflate scores, and some have ridiculous scales that give you high numbers. I'm high 700s with 4 CCs for the past 7 years where I pay 100% of my balance off every month. Maybe it's cuz I'm 25 or whatever or because I don't have loans, but my credit history is spot clean. I'm curious how to get over 800.

I'm guessing that if you keep doing what you're doing for another 5 years and you'll be over 800.

Take out a car loan. Pay off a car loan. Pay off student loans. Have a 15+ year credit history. Have a clean mortgage history.

I'm guessing that stuff like that pushes you up.

 

[Corporate Thug]

So, I guess anywhere from 60-80% of americans are screwed then. Sounds wonderful.

No, you're now screwed if your in the 700+ range, or even in the 600. The effects are just a little more felt (i.e. higher rates, etc.)

 

[pcgeek11]

All three of my scores are over 800... The highest was 829 down from a year ago when it was 837.

 

[DCal430]

I do the monitoring with a quarterly credit score from MyFico.com. It is cheap too only $5 a month and every 3 months you get your transunion credit report with score. Though the first month they bill you for 3 months since you get your score right away.

 

[MaxFusion16]

maybe the OP can't read? Are you sure the graph didn't represent the FICO scores of approved applicants only instead of the general population?