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What is considered a good credit score from TransUnion?

What is considered a good credit score from TransUnion? Whats A Fair score?

  • April 24 2012 - US
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Answers (13)

Best Answer

Profile picture for sunnyview

Credit score range is between 300 and 850. 

  • 700 and 850 – Very good or excellent credit score.
  • 680 and 699 – Good credit score.
  • 620 and 679 – Average or OK score.
  • 580 and 619 – Low credit score.
  • 500 and 579 – Poor credit score.
  • 300 and 499 – Bad credit score.
  • April 24 2012
  • 7Yes

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Mike, the 98 number is not your score but is the Fico model used to get your Fico score. Transunion has 2 Fico models, 98 and 04, your Lender is using the 98 model. A recent client gave me his score from his discover statement, it was exactly the same as the TU Fico score I pulled.
  • September 03 2014
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Profile picture for mikeschwartzdc
Does anyone know why I show an 838 FICO score on my Discover Card statement each month and the Transunion score that I received in the mail today (as a result of applying to refinance my mortgage) shows a score of 98? 
  • September 03 2014
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Profile picture for boyle vance
Credit score is not important. You can drasticly improve your life, marriage and financial situation and completly get out of debt in the next 5 minutes while increasing your available cash by 70 to 100 percent if you understand how FICO, the 3 credit reporting agencys and your creditors work. Interested?
If you have one bad credit account your credit is bad. Doesn't matter how long your credit was good or how many good accounts you have. The 3 agencys and your good accounts will use this against you to raise your interest and deny you good loans they are all in the good ship FICO partying because of your misfortune. Death in family, children in hospital, unemployed they are happy and they don't care they can raise your rates. They are in this as a team against you. The ball and chain is the credit score.
Your way out, you ready. Quit using credit you are now completly out of debt. Only pay the debt they can take away from you or you have to have. You car and your house if you still have them. If you owe $50,000 you now owe 0. If your payments add up to $4,000 you now have $4,000 a month more than you did last month. Expendable income you are not mailing away. If you are fixing to lose your house anyway don't pay anymore it will take a year to foreclose if you fight it. Save that money you are now living rent free. Take the morgage payment and pay your car off or buy one cash. Then rent the smallest nicest house at the lowest rental rate you can find. You are now out of debt and can save all of your income and you will never need or have credit again so a credit score is useless why need one you have cash. Use your new found fortune for your family not some financil instituation that cares less if you and your family live or die as long as you pay them first. Good luck enjoy the rest of your life debt free
  • February 26 2014
  • 0Yes

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This is an answer to user 3515780 who asked why TU gives different scores than creditors etc. 

Creditors (the real low life ones) make money off of people with bad credit. They will cheat you by telling you that you have a low score in hopes that you will accept the high interest credit card. You are probably 1 in a thousand who would actually verify the credit score to see if it was really that low. TU was sued in the past for erroneous reporting, so they are very careful on how they score you. This is usually why they give higher scores than the others, why most lenders use them for the higher scores and why it's easier to remove bad debt from them. They are also the hardest to get information. 

The reason the "moron" couldn't explain the difference is because he/she doesn't know the answer to your question. It's like someone asks the Doctor why a scale is different in her office versus the scale at home? Who knows? Maybe the scale at home is broken. Maybe, the moron at the creditor is the moron.

Mortgage Lenders use number crunching that weighs heavier on installment type loans. Credit card companies crunch numbers that weigh heavier on revolving accounts. Car loans are installment based loans as are "financial" companies that give out fixed rate loans and student loans as well. They all have their hiccup that makes it hard for consumers to know their true credit score. It all goes back to making money on the non-perfect credit score.
  • October 01 2013
  • 2Yes

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Profile picture for user3515780
I applied for credit, and received the card in the mail shortly after that, I received a notice in the mail, saying that the TU score that was used to give me my APR, and credit limit was 477, I went online and pulled my own scores, and TU said I had 650, I called TU, and the moron there could not explain the different scores, but to say that they have different modules they go by, and that the scores they give consumers are different than what is given to lenders, and it makes a difference whether or not the lender pays for their service...I was like what??? can someone please explain this if possible????
  • October 01 2013
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Profile picture for StevenWorthington
If a lender pulls your credit scores it will be a hard inquiry that will lower all of your scores if you are not ready to buy anything. MYFICO is the best place to go for real FICO and not credit scores. THESE ARE KNOWN AS FAKO and while a good indicator these are not what a lender looks at they only look at FICO scores model numbers. Beware. 
  • August 30 2013
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Profile picture for Midmichman
Transunion scores ranges from 501 to 990. Just ran my report today. They have a different sliding scale than the others.
  • June 01 2013
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Profile picture for sunnyview
Thanks for the Best Answer. Meant to add more to the original post and the I timed out :( so thumbs for the correction fellas. There is an article on Vantage vs FICO with some more information.

Also, a good lender can really help you look at your scores and see where any holes are so you can address them.
  • April 24 2012
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Profile picture for user698242
Thank You. A Straight answer. Extremely Helpful! Thanks, Peter
  • April 24 2012
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" a 720 Vantage score may equate to about 600-620 on a Fico score.  "
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On a good day!  :)
  • April 24 2012
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If you are getting a Vantage Score from TU then that is different from the scale Sunnyview listed. While the scale below may show a 720 to be very good below, a 720 Vantage score may equate to about 600-620 on a Fico score.   
  • April 24 2012
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You need to meet with a loan officer at a local bank to determine your credit standing and whether you can qualify with a mortgage loan.
  • April 24 2012
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