How Good Is Your Credit Score?

Photo (cc) by ryanmilani

From CNN Money

Overall, the eight most common credit scores used by lenders and consumers range from as low as 150 to as high as 990, according to a new Credit Sesame diagram created by John Ulzheimer, president of consumer education at SmartCredit.com and a former manager at FICO.

The most commonly used FICO scores top out at 850. But the VantageScore the three major credit bureaus calculate together goes up to 990. And, of course, none of them start at 0; the minimum is usually near 300. Is that supposed to make us feel good?

Equifax, TransUnion and Experian all have their own individual scores, too, each with a slightly different range. So if you apply for credit and get denied or less than the best rate, check to see where the lender got their number. You may have just barely missed the cutoff.

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