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Questions About FICO Credit Scores

What are the FICO credit score ranges?  Credit scores generally range between 350 and 850. Most lenders refer to this as your fico score.

Who determines my score?  Your credit score is compiled by different institutions and is generally a reflection of your credit history as reported to experian, equifax and transunion

Can I improve my credit score? Yes! You may be able to improve your score by paying down on revolving accounts, establishing a payment history and making timely payments.

What is the average score?  Recent studies indicate 646 is the average FICO score.

About Credit Scores FICO

Managing Your Credit Score FICO - A study of home owners’ credit records show that people who have a mortgage manage their credit better than those without a mortgage. And furthermore, those who have a second mortgage have a higher credit score than people with a single mortgage.

FICO Credit Score Variables

A) Payment History - Indicates whether you make your payments on time

B) Money Owed - How much you owe in relation to your credit limits and length of credit accounts.

C) New Credit - Are you looking for new credit and opening newl credit lines?

D) Type of credit - Weighs loans - car loan, line of credit, credit card balance.

What Effects My FICO Credit Score

Your credit score is calculated using a modeling method. Your score is determined by your payment history, account status, available credit versus your present balances and any derogatory or public records such as a bankrupcy or judgement.

Your score may also be impacted by the number of credit inquiries you have over a period of time.