@Anonymous wrote:
I have been repairing my credit and am at about a 630 credit score (average of all 3). I am wondering what a fair APR is for my credit rating. Any information would be very much appreciated.
Welcome to the forums.
You said something about all three of your scores. If you bought all of them at one place then those are not FICO scores I'm afraid. At this time there is no 3 in 1 monitoring service that sells FICO scores. Most of the sites out there now will sell you "credit scores" but these "scores" are not based on the same scoring formulas as FICO and cannot be compared to FICO scores in any way unfortunately.
Often the scoring range itself of these non-FICO's is different. For example the VantageScore sold at TrueCredit has a range of 501-990 whereas FICO scores range from 300-850 so a very high VS can mean a not so great FICO score.
No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU (PSECU) in Pennsylvania that supplies that information to it's members only. You can only buy true FICO scores at a few places. One place is here at myFICO. I suggest you do an internet search for "myfico discount codes" to save a little money.
At one time you could also purchase your Transunion score at transunioncs.com but that site seems to have stopped doing that. Equifax will still sell you a FICO score but you have to look very hard to find it.
You really need to buy a FICO score to get an accurate idea of where you stand.
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
