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You have an excellent credit score if your credit score falls within the 800 to 850 range for FICO — which is most commonly used by lenders — and the 781 to 850 range for VantageScore.
FICO scores are the most widely used type of credit score. Most FICO scores range from 350 to 850, and a score of 670 or higher is considered good. If your FICO score is on the low side, you can ...
How FICO scores are calculated. Each FICO version weights different aspects of your credit history slightly differently, but all FICO scores are calculated based on the following five factors:
Americans are entitled to one free credit report in every 12-month period from each of the three credit bureaus, but are not entitled to receive a free credit score. The three credit bureaus run Annualcreditreport.com, where users can get their free credit reports. Credit scores are available as an add-on feature of the report for a fee.
This guide goes over the main determinants of your credit score, which factors matter the most and more.
All these reasons (and more) are why you should aim for a good credit score. The bottom line. Improving your credit score is all about building good credit habits and maintaining those habits over ...
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