Q&A: What is the scale on credit scores? Does it differ from state to state?
Question by gokusgirl_2000: What is the scale on credit scores? Does it differ from state to state?
Meaning what numbers generates poor to outstanding credit
example:
100 – 300 poor
400 – 500 some what poor
Note – that is only an example, just to help get my question answered.
I’m not asking how I could obtain my own credit score, I want to know what is the levels of credit score numbers that ranges from poor to outstanding. Thanks for the input.
Best answer:
Answer by wh1tedragons_g1rl
300 poor 850 great i just went on the website a few days ago to get mine.
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The FICO score from FairIsaac is 300 to 850.
It does NOT vary state by state. You can get a breakdown of what ranges people fall in, as well as a lot of other information, at the URL I put in the source.
it is the same every were so moving won’t help ya
Okay, before moving, get you full report (http://freecreditreport.com is one example of where), then clear up any discrepancies before you move and report any errors.
After this, this is THE ONLY Way to change your score as from state to state doesn’t matter, your credit score is unified thru the US by the three reporting agencies and won’t change anytime soon. Now, there are some companies that don’t report to all 3 agenices, which makes no sense and even some of your utilites and phone services don’t report as well, hence if completely in good standing with them it wont matter unless you default and then the collection service will report
To me the 300-850 system is arbitrary at best as of what I just stated above, most people would’ve either have an extremely varying score due to these cell phone companies, cable/satellite subscriptions, etc.
best of luck on the move
FICO scores range from about 300 to 850 and exhibit a left-skewed distribution with a US median around 725. A score above 720 is considered to be “good credit,” and a score below 600 is considered to be poor.