Credit question

[ShooterMcGavin]

i get to check my transunion credit score whenever i want, any way i can find out what the other 2 are reporting?

[Jaimecbr900]

Stay_up: I don't know what kind of scores those are, but they're not from the any of the 3 repositories. Scores range from 400-800.

shag: You have to pay to have them sent to you. You can also go online and basically tell them (wink wink) that you got "turned down" for some credit ap. At that point they HAVE to send you a free copy to be able to dispute anything. Just an idea.

I believe there is a free site that Clark Howard suggests too. Maybe look on his website. I think it's like freecredit.com or something. Just be careful because there are lots of scams out there associated with credit reports. Look on his website because I heard him mention it the other day on his show that the site he promotes is totally free. Give it a try.

[ueyedgr8tness]

[QUOTE=Jaimecbr900]Stay_up: I don't know what kind of scores those are, but they're not from the any of the 3 repositories. Scores range from 400-800.


MY bad it was 705-702-696

[ksniperfox]

pretty sure it goes to 830

[Jaimecbr900]

^^^^ Guys, I was rounding. To be exact, credit scores can be anywhere between 350 and 850.

I've never seen anything in the 300's at all. EVER. Not saying it doesn't exist, just that I haven't worked with anyone that low....not that I could since I know of NO lender that will go THAT low.

Now, I have seen and worked with 800's myself.

Just FYI:

For Mortgage purposes (and some other purposes may apply):

500-599- Is usually considered "bad" credit score. Usually there is something either very recent or very large or a lot of accounts that are delinquent.
600-650- Is considered borderline. Usually you have a lot of high credit or lots of inquiries or just lots of debt. Usually people in this range don't have derrog's, but they sometimes can.
651-700- Is usually considered good credit. Usually 680 is our threshold for most lenders to start considering you for better terms.
700-up- Is usually considered good to great credit. This will almost always net you the best terms and the best rates. We always LOVE to see "triple 700's" credit.

Be careful though. There are still other restrictions and program guidelines that apply. Credit score is but one of those. There are MANY 700+ scores that don't qualify for top loan terms. There are MANY a 700+ scores that are really deceiving. You can have a 700+ on just a couple of open accounts, which in turn doesn't always qualify you for a loan. If someone has 9 pgs worth of credit and STILL have a 700+ score......THAT is pimp daddy credit. 2 accts that are less than 12 mos old and you have a 700+ score.....you're on your way possibly, but not considered pimp daddy credit yet. Yall follow?

So just because you have 700+ score doesn't automatically get you the best, but yall can see the general pattern I'm trying to convey.

Hope that helps.