Credit score ranges graph1/23/2024 ![]() Some lenders may only report to one or two of the major reporting agencies, which means your credit reports are different from one agency to another.For example, if you’re applying for a mortgage or an auto loan, your credit score may be different than the credit score you see through a credit monitoring app like Credit Karma. Different scoring models are used to calculate your score.If you’ve recently opened or paid off a large amount, your score might not reflect your most recent updates. Your credit reports are not based on the same dates.The main reasons your credit scores look different are: Have you ever noticed that your FICO credit score is slightly different from one credit bureau to another? That’s because while all three major credit reporting agencies (Equifax, Experian and TransUnion) use data in your credit reports, they calculate that data differently. ![]() ![]() While VantageScore3.0 provides these ranges to evaluate credit scores: 300-600įor VantageScore 3.0, a good credit score is considered ‘Prime’ and ranges from 661-780.īut wait, I have a 680 FICO from Experian, but Credit Karma says I have a 698 VantageScore! Lesson Two: There are several types of credit scores and models. FICO provides the following as credit score ranges: Less than 580įor FICO scores, a good credit score ranges from 670-739. Instead, two of the most popular credit scoring models, FICO and VantageScore, have ranges that can help you identify where you stand. Because of the complexity of everyone’s unique credit report, the types of credit out there, and the different scoring models, there isn’t an official threshold for a ‘Good’ credit score.
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