712 Credit Score

A 712 Credit Score is a good rating on the FICO credit score scale. It used to be a great credit score, but it depends on the scoring model. This 712 Score is:

• 48 points lower than the highest break point of 760 FICO credit score to get the best interest rate loans according to myFICO.com.
• 138 points lower than a perfect 850 FICO credit score.
• 712 score would be a “C” rated score on the VantageScore^SM, scale.
• 278 points lower than a perfect score in the VantageScore^SM scoring model
• 189 points away from the best tier of 901+ for VantageScore^SM
• 118 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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