Is my experian credit score of 807, risk grade B excellent, good or average? - Xmastips

Is my experian credit score of 807, risk grade B excellent, good or average?

Home Forums Improve Credit Is my experian credit score of 807, risk grade B excellent, good or average?

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    They tell me several things about credit card balances and ratios which sound like they are not very good. Can you tell me where this score rates and what it means?



    lol the only credit score that counts is the fico score. All the rest of the credit modules are not your true credit score. To get your fico score for a one time fee of $ 15.95 go to or Now when you order your fico score they will tell you what is hurting your score. Such as charging charging more than 30% of your credit limit, collections etc. Now also to get your free annual credit reports that you are entitled upon request according to the credit report act go to don’t go to any other website since this is the only true website that you can get your credit reports totally free! You are elegible to get your credit reports every 12 months from equifax,experian, and transunion.



    That would be a very good score. It’s above average. It’s probably better than 65% of the population. It means that you’ll get much better interest rates for loans and you’ll have a higher chance of being approved.



    Thats a great score but my advice is to go to to get ur FICO score … myfico are the inventors of the FICO scoring system which most creditors use when potentially offering u credit … any other score has a diffrent scoring system which includes the score u rec’d from Experian …



    I know what’s wrong.

    Are you using more than 30% of your available credit limit on any of your cards?
    This brings the score down.

    Want top A+ scores?
    Pay that credit card in full each month.
    It is 100% myth that carrying balances is good for you.
    Nothing, but nothing could be further from the truth.
    Must be a rumor started by credit card companies.



    Experian uses Vantage scores, not FICO. Vantage has a scale of 500 to 990, while FICO’s scale is 300 to 850. They also use a different formula, so it really is hard to compare.

    Most creditors use FICO. Don’t waste money on non-FICO scores. Equifax site uses FICO. You can also get FICO scores for Equifax and TransUnion at Consumers can no longer get FICO scores for Experian. The Experian and TransUnion sites both sell Vantage scores. Third party monitoring services use Fakko scores. and both offer free score estimators. They are not FICO but good enough if you are just curious about your score.

    By the way, it is much more important to review your credit report from each of the three credit bureaus annually for accuracy ( Scores are really a very, very small part of the credit decision. You could have a very high score and still be turned down due to limited credit history (too new, too few).

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