Credit Score - cont of This is the End

iVillage Member
Registered: 08-11-2003
Credit Score - cont of This is the End
2
Fri, 10-07-2005 - 9:11am

I went on experian this morning and got my credit score. It is 713. It could be worse - right? Experian says that the only reason it is low is because of high balances. I pay my bills on time and though I have balances I am a good credit risk.

I know I have to tell my husband. This is the 3rd time. When will I ever learn? Before I do I need get my ducks in a row because once I do I will be single.

Jennifer

iVillage Member
Registered: 08-26-2004
Fri, 10-07-2005 - 9:46am

That is actually pretty good. It could be a LOT worse.

I filed for bankruptcy earlier this year, and my score was 568!!!! And to think that I used to get all the really good credit offers before DH lost his job and we survied on credit cards to 2 years!

Joy

Photobucket
iVillage Member
Registered: 12-05-2004
Fri, 10-07-2005 - 12:06pm

Actually 700's are pretty GOOD! We just did a refi to join our first and second mortgages, and our scores were 750 and 760, and we were told by our loan officer that our scores were considered "excellent", so I can't imagine having a score in the lower 700's would put you in danger of being denied credit in the future. I always thought that anything over 700 was a great rating. I would think your Dh would be thrilled at having a score in the 700's. :-D

Pat