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So I had my credit checked and they said that my credit score was 630 is that good? But i have not got the whole report in the mail yet but I just wanted to know

8 Thoughts on who knows if this is a good credit score?
  1. Reply
    Citizen Know Nothing
    August 18, 2011 at 1:52 am

    Yes
    That is a pretty good score
    Anything over 700 is really good
    But yours is still pretty good for a young person
    Congratulations
    It’s pretty hard to get over 700 unless you have really high income

  2. Reply
    golferwhoworks
    August 18, 2011 at 2:51 am

    not great but it indicates that you mostly pay on time. To get it higher pay credit cards to less than 1/3 of the limit and any collection accounts you may have

  3. Reply
    Torre
    August 18, 2011 at 3:46 am

    FICO scores range between 300 and 850. Ratings are as follows:

    ~ Excellent: Over 750
    ~ Very Good: 720 or more
    ~ Acceptable: 660 to 720
    ~ Uncertain: 620 to 660
    ~ Risky: less than 620

  4. Reply
    Rick B
    August 18, 2011 at 3:47 am

    580 – 619 is poor

    620 – 679 is ok

    680 – 699 is good

    700 and higher is excellent

    At your score, you will likely pay higher rates than most, but should have no trouble getting credit.

  5. Reply
    Steve b
    August 18, 2011 at 3:57 am

    630 is in the lower middle of the road…you won’t get very good percentages when applying for loans, vehicles, homes…etc..check web page below,.

  6. Reply
    ereviews
    August 18, 2011 at 4:52 am

    Banks will consider that score to be right around average, with a medium to low risk. Some lenders prefer a score over 640, so you’re on track. The best score you can have is over 800 and most people will shoot for around 725-780.

  7. Reply
    bdancer222
    August 18, 2011 at 5:01 am

    According to MyFico.com, the median FICO score is 725.

    Are you sure that is a FICO? Equifax gives FICO but Experian and TransUnion use Vantage — different scale, goes to 950.

  8. Reply
    henry
    August 18, 2011 at 5:37 am

    Average, anything over 700 is good. Pay off some credit cards and keep them open with a 0 balance after a year your score will go up. One way to do that is to get a new card and transfer your balances on to the new card.

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