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shawty_red_atl | I just got some mail and it stated that my credit score is 426 what is that? is it good, bad, average, what? |
if its bad how can i get it back good again what do i need to do? casue alot of people say i dont have enough credit or none at all. |
 |
 
Sgt Big Red
|
Sorry to say, but this is a rather low score. You will need to pay off some debts and/or resolve any items in collections.
Here is what lenders will read into your score'
E rating [Credit score under 550] Unlikely to be approved.
Typical debt-to-income ratio: Around 65%
Mortgage: You have a pattern of 20, 60, 90 and/or 120 day late payments
Installment Loan: You have a pattern of 20, 60, 90 and/or 120 day late payments
Revolving credit: You have a pattern of 20, 60, 90 and/or 120 day late payments
Additional requirements: You may have a current bankruptcy or foreclosure
Hope this answers your question |
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marcee00
 |
I thought the average credit score should be around the 650 or better for lenders to consider. I know mine I think was around 650 and the lender thought it was low. |
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Jaye B
 |
that is actually pretty bad. i don't know why you would get your credit score in the mail unless you requested your credit report to be sent to you. The average is in the 600's but you could have a low number in the 600's and it could still be considered fair and not good. |
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Joe
|
That is pretty bad... average is like 640 or 650. Pay your bills on time, don't over spend and get rid of credit card debt. |
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Trisha
 |
A credit score is what your financial life revolves around. The higher the score , the better chances of you obtaining credit with good interest rates. If you are young or just starting out a 426 score is about right. However, if you have had credit before and were late in paying the bills and they went into collections , foreclosure or repossessions, then 426 is a bad score. You need to pay your bills on time in order to raise that score. Try not to max out your limit on credit cards, stay within 30 % of the credit limit and pay it off as quickly as you can. You can go to one of the three credit reporting agencies to learn more about credit, they are Transunion, Equifax and Experian. Sometimes they all differ in the credit score because not all accounts may be reported to those three bureaus. Take your time and pace yourself. You can apply for a student credit card if you are enrolled in school. Use it wisely :) or you can apply for a secured card and when the bank sees that you are making good on payments they will graduate your card to an unsecured card and then raise the limit eventually. Again, pay bills ontime...and the financial world will see you as a responsible adult :) |
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sunshine
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That is consider very poor.score.. You can not get approved for any credit or loans with that score.... The only way you can get it good is basically pay your current bills on time. it does take some time for your score to improve and pay off any debts you have delinquent or in collections (if you have any) |
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CrackBerry Addict
 |
Was this something that you requested be sent to you? If not I would recommend that you check your credit reports and scores at MyFICO.com. This will let you know for sure what your scores are, and what is in your credit reports.
I recommend the FICO Credit Complete package. |
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kapn
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Awful...........really bad..........hope thats not right..........sounds like a scam........... |
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