 How do I get off a carloan as the cosigner? |
| I co-signed for my (now) ex-boyfriends car about a year and a half ago. I only did it because I was told that it would only be for a year, and then it could be transferred into his name. Well that ... |
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 I was contacted about a bill that the company said I never paid. However the bill was paid by check. They want |
| They want proof of payment. I would have to order the canceled check, which would cost me money or I would have to send a copy of my bank statement which Idefinitely would not be comfortable doing. B... |
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 On a senior first date to diner should the man pay check by cash or card for best impression? |
| the man does not want to appear"flashy" by exposing a lot of cash for a gormet diner but also is reluctant to to use the card as he is not a heavy card user and manages his finances well,... |
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 Where can iget a consolidation loan? my credit score(around 670), not behind on payments;need 20,000 loan@12% |
| my interest rates on my credit cards is about 21%. i am paying about 900 monthly but wont get out for about 4 years ..would like consolidate and pay off in 2 ... |
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 Looking to find an online or payday advance type of loan place that I can pay back at the rate of 200-250 a mo |
| If anyone has suggestions please respond asap as it is urgent alot of those places have wayyyyy to high of an interest rate for a single mom of two ....I know someone knows of somewhere...Thanks S... |
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 What will happen with credit card debt? |
| I have credit card debt and the consolidation places don't sound good to me. What would happen if I decided not to pay them anymore? What if I choose to pay off one at a time. Can my wages get ... |
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 Am ticked off! Am in credit from the gas company and they wont give me all my money back.? |
| I really need this money. They are trying to say that i need it for the winter billing, but enough money goes from the bank every month that's why i'm in lots of credit! Does anyone know ... |
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 Loan, help? |
| Does anyone know any loan company or bank that doesnt ask for your employment adress? Im wanitng a loan of 10,000 with the first couple of months off no payments because im starting a job in around 2... |
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 Would we all be better off if we take out a loan we will never afford to pay back? |
I don't take loans and don't owe the bank but I think we should just take all they offer buy some shares in the local ganja grower and make some profits from drug dealing.
The ... |
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 Does anyone know about any credit cards that's easy to get?? |
| I wanna get a credit card but the places i apply deny me. Is there an easier credit card to get into?... |
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 How can you get a visa with little or bad credit and no bank accout? |
| I am having a problem getting credit due to my ex boyfriend and i need some advise what should I do. I am running into brick walls everywhere and I need to have a credit card for exteme events. P... |
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 Paid Surveys? |
| im planning on trying out this membership for this website express paid surveys.com but i only have one concern do companies really pay for you to take a survey and on a minimum how much can anyone ... |
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 Canceling a won item on ebay? |
| Okay well i bought something off of ebay and well its been about 5 days and he hasnt left feedback on my payment so im guessing he didnt send it out yet. I would like to cancel this because its gonna ... |
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| I want apply for personal loan? |
| I am getting a sal of Rs. 12,000 pm. I want to apply for a personal loan of 1,50,000. i have a bank account from 3 months that my sal is credited in that, driving licence, voter ID, and also i have ... |
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 How many times can a credit card or collection company call you in one day? |
| I've heard if a collection company calls you more the once per day that you can file a compliant and the money that is outstanding will be reversed.... |
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 Has your credit rating improved? Stayed the same? Or it's worse? |
| For me It has improved. Went through Bankruptcy once & never want to go through that again.... |
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I see you Lynn H-G | What number = "bad" credit score? |
OK, so what is the real deal on what number your FICO score has to be to be considered "bad credit" or "good credit"? |
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cari210kel
 |
well it all depends on who is looking at it .... but some places consider anything under 680 to be bad. |
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H. A
|
Scores range from 0 to 850, so the higher the better. Most mortgage lenders consider 680 to be the magic score to qualify for most conforming products, (types of mortgages); however, they have plans down to as low as 620, but the rates are higher and these products are fast diappering due to the mortgage problems our nation is currently experiencing. Anything below 620, is considered sub par credit and the lower the worse. There are home loan programs that allow people to buy and get loans all the way down to a score of 500, but they would have to put alot of money down and would pay a much higher interest rate. Most lenders now, will not go under 540 or even higher, say 580 as these credit score programs have definitely proven to predict the manner in which a person will handle his payments and finances. The average american citizen has a credit score of about 670 to 690, which is good enough to generally do about anything in the credit industry, provided they have a adequate income and employment history. You can have this average score and have never been late on a credit card or other debt, because it reflects on how much credit you use, the amount you have, how much you use against the maximum line for each account, and many other little factors. Lenders and creditors look for a stable employment and income history, more than they would a score of 800 or so, because, they would not make many loans as only about three percent of the population has a score of 800 plus, and maybe less. |
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Mike
 |
It depends on who is looking at it....
Generally speaking, above 715 is excellent, and you will usually qualify for the best rates and you will be approved for mostly everything you apply for (as long as income and stuff is OK)
680-714 is still excellent but you might have slightly higher rates.... you are still doing fine though.
640-679 you are starting to get into A- credit... still decent, but especially on the lower end of this scale rates will be higher and you could be denied credit.
The more you get below 640 the more into the sub-prime arena you get... below 550 you are doing really bad, it will be hard to get credit, and rates will be very high.
Anything below 600 is straight up BAD. |
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iceman
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Yes it really does depend on who is judging it.
Generally a "bad" credit score would be maybe below 600. But that doesnt mean 600 or over is good though either.
600-680 is fair to average. |
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Dewey K
 |
Here is the way FICO scores it according to their site:
FICO CREDIT RATINGS
350-519 poor
520-659 fair
660-749 good
750-850 excellent |
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To The Point
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Depends on why you are wanting to know. I am a mortgage broker and bad to me is under 500, Average is 600-700 and Good is over 700. |
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bdancer222
 |
Average FICO score is 725. |
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SPIFIMAN1
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In the world of auto finance;
Good 680 & up.
Average 640/679.
Sub-prime 639 & lower. |
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Judy1
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There's no exact number where your score goes to "bad". But according to wikipedia, 60% of scores are between 650 and 799. The rest are either above or below this - if you're mid-600's or under, it wouldn't be considered good but might be fair. If you're below 600, you'll find it hard to get a loan, and if you do get one, will pay high interest. |
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duck_fook2000
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Good credit would be anything above 800, anything below 600 would be conisdered bad. In between is where most us us are. |
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LadyB!â„¢
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The minimum number used to define good or bad varies by the industry that is reviewing your credit, a car loan, credit card/personal loan or mortgage will all be different.
In general most times if your middle score [determined by comparing your scores from three credit bureaus] is 620 or more you are considered credit worthy and qualify for reasonable interest rates. Any lower down to about 540 and you can still obtain credit but it will be at a higher interest rate. |
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Andrea
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i don't know exactly... but my friends score was 524 and that was REALLY bad |
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§ Elijah §
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lower is worse higher is better |
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derrick d
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well this depends on the loan
dell liket so see 650
chevron likes 700
auto people like to see 525
and home people say 600 is their target
but 500 is a bad score |
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JO
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below 560 |
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