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Now, the companies that develop credit scores – FICO and Vantage Score, for example – do not decide which credit scores are technically “good” or “bad.” Nor do the credit reporting agencies that supply the credit reports used to create credit scores.Instead, it’s up to individual lenders and insurance companies who use these scores to decide which scores demonstrate an acceptable level of risk. These include: In a way, then, there is no such thing as a “bad credit score,” since the number itself doesn’t mean anything until a lender decides how to use it.Keep in mind; it’s possible to have bad credit and not even know it.That’s why you’ll want to keep a close eye on your credit.Credit Utilization Rate: keep the credit utilization rate below the thirty percent mark.
For example, all FICO scores range between 300 and 850 with 300 being the lowest (or worst) possible score, while 850 is the highest (or best) possible score.In other words, a credit score is only bad when it keeps you from whatever you are trying to accomplish, whether that is to refinance a loan, borrow at a low-interest rate, or get the best deal on your auto insurance.Moreover, what is considered bad credit by one lender may be perfectly acceptable to another.Zoosk This is one of the excellent new sites with plenty of free features.Ok Cupid This free dating site has exploded onto the scene and it offers a cool option.
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The range for Vantage Score 2.0 credit scores is between 501 and 990, with the higher number representing the strongest score.