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mrheck87 | I'm 20 and have a 721 credit score, is that low or high? And what is considered to be an excellent score? |
Additional Details
I got my score from an experian credit report.
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Robin S
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721 is excellent credit be carefull with it |
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abril m
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you have a great credit score. make sure you maintain it because once it goes down it is hard as hell to get back up |
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ladysecretz
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Are you sure? That sounds pretty high for just being 20 (the higher it is the better your credit score). I'm not sure what the top score is...maybe around 800. |
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surferchick
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thats an excellent credit score. Its a high score. Anything over 600 is considered good |
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Crazy cat lady >^ ^<
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((( claps))) thats a really good score |
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Confused And Worried
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its good, whats your secret??? jk, i would hope to get a credit score like that when im 20 (currently 17) |
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Xbox X
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That is a credit card filled with money and is good so don't lose it. |
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annazzz1966
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It's considered very good. Perfect credit is 850. |
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Naty
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depends, there are different types of scores, so you need to know what type of score you have, i think 721 is good... here's what i found in wikipedia:
A FICO score is between 300 and 850, exhibiting a left-skewed distribution with 60% of scores between 650 and 799.[2] According to Fair Isaac the median score is 723 (half of scores above and below) whereas according to Experian (using the Fair Isaac risk model) the average credit score is 678 (lowest scores are farther from the median than the highest scores). The performance of the scores is monitored and the scores are periodically aligned so that a credit grantor normally does not need to be concerned about which score card was employed.
Each individual actually has three credit scores for any given scoring model because the three credit agencies have their own databases. As these databases are independent of each other, they may contain entirely different data. Many lenders will check an applicant's score from each bureau and use the median score to determine the applicant's credit worthiness.[citation needed]
VantageScore ranges from 501 to 990 and offers letter grades as well: A (901-990), B (801-900), C (701-800), D (601-700), and F (501-600). |
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