my credit score

**grneyegrl** · 09-14-2006, 11:51 PM

i need to get a nother car. it will be used. my current car has a leaking head gasket and not worth fixing.. well im up late getting my credit info\score and i got my credit score and it was

891

i am totally shocked..i hope its ok to give that info out. but i cant believe it..i didnt really know how good it as to pay all my bills..it also said i was never late on any payment\loans\credit cards... ever.. i worked really hard and did without sometimes.. not going out everytime i wanted to .. i thought the score was wrong..but then it goes from 501 to 990 i think..

boy when i see the used car dealer will he be suprised(i cant spell im so shook up)

**Amanda W** · 09-15-2006, 01:12 AM

Wow, that's awesome!! You should be proud of yourself!

**Jenna** · 09-15-2006, 03:50 AM

FICO scores range from 300 to 850.

From which credit agency did you receive your score?

**ama** · 09-15-2006, 08:29 AM

That is an exceptional good credit score. Congrats!! It takes alot of hard work and determination but it shows what paying your bills on time can accomplish. Good for you!

**carolyns** · 09-15-2006, 10:11 AM

i just did a search and it said scores range between 300 and 900 so that is AWESOME!!!!

**LastDragonfly** · 09-15-2006, 12:27 PM

Good for you! I know you are proud and we are proud for you too! It's a good feeling to see others doing well! I am happy for you!

**became4347** · 09-15-2006, 08:30 PM

Jenna is right. FICO ranges from 300-850. Therefore, you did not get a FICO score. This is the benchmark that 99.9% of lenders look at. Your FICO score may very well be in great shape, too. Therefore, you really need to look at your FICO. These other scores, although they look legitimate, are not worth getting. Try myfico.com

**Mojjo** · 09-15-2006, 08:51 PM

You got a Vanage score...the new one from the 3 credit reporting services. They are trying to get lenders to use it instead of FICO.

**KWLinda** · 09-15-2006, 09:41 PM

Actually, TransUnion does go as high as 925. I'm looking at my credit reports (run today) and the range for them is 400 to 925. Experian is 330 to 830 and Equifax is 300 to 850.

891 is excellent! Keep it up there!

**Jenna** · 09-15-2006, 10:55 PM

Google:

FAKO

FICO

This column is about the difference between the Fair Isaac credit score--FICO--and the ones supplied by the credit bureaus, which we* call FAKO scores.

Credit Score Generally (but not always) a 3-digit number assigned by a CRC to a credit profile. There are many different flavors of scores, and significant differences between flavors are common. Also note that there are many "scores" generated by CRCs that never get issued to a third party--so their practical effect is nill. These are sometimes billed as "FAKOs".

bits and pieces of articles about FAKO and FICO

**grneyegrl** · 09-16-2006, 12:10 AM

actually it was quoted as a fico score.. it was from the experian web site. i also got to see the list of credit cards\loans ect.. the range was from 550 to 990.

if its not a fico score they owe me a refund.. the only thing they can charge for is the actual fico, not the free credit report ( given free once a year)