Article Score0

21 y/o male
Had one cc for 3 years, never been late and pay in full everytime
Average a debt to credit ratio of 15%-30% on a limit of $ 1,000
No other outstanding or open forms of credit/loans/etc

I used this site: http://www.bankrate.com/calculators/credit-score-fico-calculator.aspx

It estimated my FICO score to be 715-765, I’m just curious as to how accurate that could be?
Also, 715-765 is relatively good correct?

Thanks
Thank you, I just used one of my 3 free annual credit reports and check my report. All is in order, so it appears that I am well off. Thank you

2 Thoughts on Could this FICO *estimate* be considered good?
  1. Reply
    RJ
    July 23, 2011 at 7:53 am

    That is a very good estimate!
    However, it doesn’t account for possible errors that could be on your credit report. In my sources, I listed places where you can actually get a free credit report and score without using a credit card (aside from freecreditreport- u need a credit card there). Good luck.

  2. Reply
    timothy p
    July 23, 2011 at 8:21 am

    It could be an accurate score and if so, that would be good.

    Keep in mind that score isn’t everything. Score is just used to filter potential candidates for credit and to help set the rates in the event that you are approved for a loan. Many people have a single account with good credit scores. The single account doesn’t really give lenders any indication of how you handle debt. It sounds like you are off to a good start but you may still be declined loans because of a lack of depth in your credit file.

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