686 Credit Score

January 21, 2008 by VideoCreditScore-Andy  
Filed under Credit Scores

A 686 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 686 Score is:

  • 74 points lower than the highest break point of 760 FICO credit score to get the best interest rate loans according to myFICO.com.
  • 164 points lower than a perfect 850 FICO credit score.
  • 686 score would be a “D” rated score on the VantageScoreSM, scale.
  • 304 points lower than a perfect score in the VantageScoreSM scoring model
  • 215 points away from the best tier of 901+ for VantageScoreSM
  • 144 points away from a perfect score on the PLUS score system, which scale goes from 330 to 830.

FICO Score Range

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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