what is a fico 2 score?
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The vast majority of home mortgage lenders issuing new mortgage loans and refinancing existing mortgages use specific versions of the standard FICO® Score, with a score range of 300 to 850, when evaluating mortgage applications: FICO® Score 2 based on Experian data (also known as Experian/Fair Isaac Risk Model v2)
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In the surety bond industry, 'bad credit' or 'non-standard' is considered to be a FICO score of below 650. FICO scores range from 300 to 850 and are classified as follows: 750 or above: excellent. 700-749: above average.
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A FICO® Score of 660 places you within a population of consumers whose credit may be seen as Fair. Your 660 FICO® Score is lower than the average U.S. credit score. Statistically speaking, 28% of consumers with credit scores in the Fair range are likely to become seriously delinquent in the future.
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757 Credit Score: Is it Good or Bad? Your FICO® Score falls within a range, from 740 to 799, that may be considered Very Good. A 757 FICO® Score is above the average credit score. Borrowers with scores in the Very Good range typically qualify for lenders' better interest rates and product offers.
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FICO® scores are the credit scores most lenders use to determine your credit risk and the interest rate you will be charged. You have three FICO® scores, one for each of the three credit bureaus – Experian, TransUnion and Equifax. Each score is based on information the credit bureau keeps on file about you.
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The FICO Score is a proprietary model created by Fair Isaac Corporation (FICO) . All Equifax consumer services and tools make use of the Equifax Credit Score unless otherwise indicated. ... The FICO Score uses a numerical range of 300 to 850, where higher scores also indicate lower credit risk.
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318 Credit Score: Is it Good or Bad? Your score falls within the range of scores, from 300 to 579, considered Very Poor. A 318 FICO® Score is significantly below the average credit score.
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FICO just provides a numerical credit score, based on an individual's payment habits and the amount of debt they carry. Credit burueaus Experian and Equifax both provide scores, too, but they also provide detailed credit histories on individuals.
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It will take about six months of credit activity to establish enough history for a FICO credit score, which is used in 90% of lending decisions. FICO credit scores range from 300-850, and a score of over 700 is considered a good credit score.
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Is 528 a Good Credit Score? A 528 FICO® Score is considered “Very Poor”. It means you've had past payment problems, including collection accounts, judgments, bankruptcy or worse. With a “Very Poor” score, it's harder to obtain credit cards, loans, and favorable interest rates.
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642 Credit Score: Is it Good or Bad? Your score falls within the range of scores, from 580 to 669, considered Fair. A 642 FICO® Score is below the average credit score. Some lenders see consumers with scores in the Fair range as having unfavorable credit, and may decline their credit applications.
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Both the Equifax Credit Score and the FICO Score are general-purpose score models used to predict credit risk. The Equifax Credit Score is a proprietary model created by Equifax. The FICO Score is a proprietary model created by Fair Isaac Corporation (FICO) .
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The best-known range of FICO scores is 300-850. Anything above 700 is generally considered to be good. FICO also offers industry-specific FICO scores, such as for credit cards or auto loans, which can range from 250 to 900.
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A 700 FICO® Score is Good, but by raising your score into the Very Good range, you could qualify for lower interest rates and better borrowing terms. A great way to get started is to get your free credit report from Experian and check your credit score to find out the specific factors that impact your score the most.
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What is the difference between the Equifax Credit Score™ and the FICO® Score? ... The Equifax Credit Score uses a numerical range of 280 to 850, where higher scores indicate lower credit risk. The FICO Score uses a numerical range of 300 to 850, where higher scores also indicate lower credit risk.
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816 Credit Score: Is it Good or Bad? Your 816 FICO® Score falls in the range of scores, from 800 to 850, that is categorized as Exceptional. Your FICO® Score is well above the average credit score, and you are likely to receive easy approvals when applying for new credit.
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According to Capital One, this card is geared to consumers with average credit or better. This typically means a FICO score of 580 or higher.