Credit Score Range

Creditors look at many different things to determine a credit score range. That's why having all around good credit is such an important thing. Too many of us don't try hard enough, don't know, or don't even care about what our credit rating is. The most important thing you can do for your finances right now is improve your credit score rating. The easiest way to start doing that is to understand what all goes into a credit score. Once you know all the things that are considered in your credit score scale you can know what to improve on. A few of the things that are included in your score are:

• Debt Balance
• Job Income
• Number of Loans
• Amount of Loans
• Timing of Payments
• Credit Applications and Inquiries

These are just a few of the things that go into a credit rating but they are some of the most important. One thing to remember, however, is that not all potential lenders look at your credit the same. They are going to be biased by personal experiences so different things may be more important to one lender than it is to another. Because of this it is important to to have a good grasp on all aspects of your credit.

The basic breakdown of the scores goes as follows:

• 700-850 - Excellent to Very High Credit
• 680-699 - Good to Decent Credit
• 620-679 - Pretty Average Credit
• 580-619 - Low Credit
• 500-579 - Considered Poor Credit
• 499 and below.... Bad Credit

If you fall in the bottom two categories it may be time to start getting some credit counseling or advice in order to bring your credit back up to where you need it to be. Just remember that it is never too late to recover with your credit. Credit score ranges can be improved and fixed just like anything else. All it takes a little patience, perserverance and good old fashioned hard work.

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