676 Credit Score
January 12, 2008 by VideoCreditScore-Andy
Filed under Credit Scores
A 676 Credit Score could mean higher interest rates and higher payments. Is your score a FICO credit score? You can start watching it for free using a Free Trial product called Score Watch.
This 676 Score is:
- 84 points lower than the highest break point of 760 FICO credit score to get the best interest rate loans according to myFICO.com.
- 174 points lower than a perfect 850 FICO credit score.
- 676 score would be a “D” rated score on the VantageScoreSM, scale.
- 314 points lower than a perfect score in the VantageScoreSM scoring model
- 225 points away from the best tier of 901+ for VantageScoreSM
- 154 points away from a perfect score on the PLUS score system, which scale goes from 330 to 830.
Which credit score did you get? Check out my post on what a credit score includes. If you have a non-FICO score, you should probably get your FICO credit score to see what most lenders see. myFICO Score Watch monitors your FICO score by delivering email alerts and cell phone text message alerts each time your FICO score changes.
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- Credit Scores in Retirement – Episode #79
- How To Get Your Credit Scores – Lesson #3
- myFICO Score Watch with FICO Email Alerts – Review
- What’s a Good Credit Score? – Episode #4
I checked my credit score with Transunion 0n 09/02/2009. It was 809 with Grade B based on VantageScore credit scoring formula. I checked my score on 3/25/2010 and it was 768 on Transunion using FiCO formula. I checked my credit score today (04/30/2010) on Experian and it was 676 using FICO. There has not been qny change since march 25th. I have not missedany payments or charged large sum of money etc. I don’t understand how Transunion and Experian could be so far apart using the same formuls.
Thanks
They have very different data sets in some cases. I don’t remember the stat, but something like 20% of all consumers have a 100 point swing between one FICO score and another bureau FICO score. Keep doing the apples to apples comparisons with FICO. Sounds like you are watching your scores. That’s the first key to getting the best rates.