my TU FICO score

[Anonymous]

So..I just got my Discover statement and it says my FICO score is 740. Is that good/average? Also, what can a good FICO do for me now besides applying for new lines of credit?

[titanofold]

That's a good score that's just shy of excellent.

You should be able to get approval for larger TLs and better APRs. Once you're over 760 you'll be in the excellent range, and you will start getting the best APRs.

But, that's all subject to YEMV.

[Anonymous]

Really?! This entire time I thought 800 is where it is considered excellent..

[LearningMoreAboutCredit]

That score will also get better rates on insurance.

[Anonymous]

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@LearningMoreAboutCredit wrote:
That score will also get better rates on insurance.

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Which score?

[LearningMoreAboutCredit]

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@Anonymous wrote:

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@LearningMoreAboutCredit wrote:
That score will also get better rates on insurance.

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Which score?

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Your 740 TU score but depends on insurance provider on which bureau they pull...

[negg]

Gieco must do SP's as I don't have any HP from non cc companies since 3-11.  

[Anonymous]

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@LearningMoreAboutCredit wrote:

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@Anonymous wrote:

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@LearningMoreAboutCredit wrote:
That score will also get better rates on insurance.

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Which score?

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Your 740 TU score but depends on insurance provider on which bureau they pull...

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I have AAA insurance. My parents are the ones who bought the insurance, but do you think they'll give me a better rate right now if I let them know my credit scores?

[Revelate]

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@Anonymous wrote:

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@LearningMoreAboutCredit wrote:

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@Anonymous wrote:

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@LearningMoreAboutCredit wrote:
That score will also get better rates on insurance.

---

Which score?

---

Your 740 TU score but depends on insurance provider on which bureau they pull...

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I have AAA insurance. My parents are the ones who bought the insurance, but do you think they'll give me a better rate right now if I let them know my credit scores?

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Unlikely; they will pull scores when an application is made.  Also FWIW as I understand it the commonly used insurance score is not FICO but rather some other algorithm.

ETA: some states such as California do not allow a credit check to be made as a condition of auto insurance.