FICO Score

[HRx]

Just focus on ensuring that all your accounts reflect an R1 or I1. This is easily accomplished by paying your credit bills in a timely fashion. The following things affects ones credit score: debt to income ratio, numerous credit inqueries, length of credit history, education level*, maturity level of each credit account, et cetera.

If a individual's credit status represents to much of a mininal or excessiveness, of the above credit scoring factors. They'll still be able to qualify for low interest rates and such, by simply maintaining all R1's or I1's for each of thier credit accounts! If all your tradelines reflect R1 or I1.........you have GOOD credit! So don't lose to much sleep over not having a 800 credit score! There's more to life than having a super, super high credit score.

BTW - The average credit score is currently 678

Good Luck!

[tinroofrusted]

Watch out for Transunion when you are trying to get them to remove negative and FALSE information from your report. They are uncooperative, do not abide by the guidelines set in the FCRA, and are generally a complete nuisance. They also blatantly lie to people too, as I have proof of, currently in my little paws.

Thanks for the link HHM

And Todd, thanks for your info too. I still think it's a little sneaky how they do all of that!