Fico Score Summary -

[Anonymous]

Payment History                 - Not Good

Amount of Debt                -   Good

Length of credit History      -  Very Good

Amount of new Credit         -  Good

So why is my overall rating Not Good? If two of them are good and one is Very good - shouldn't the overall rating be good or is it my score that isn't good. Its 658?

[Anonymous]

If you have any late payments or collections.....payment history is not good and will follow you like fleas on a dog!

[Anonymous]

Each Category is weighted differently, with Payment History weighted the most @ 35%.

A not good in this category carries more weight than the others. 

[llecs]

Amyboo, your overall rating will turn to "good" when you hit 660.

[laz98]

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@llecs wrote:
Amyboo, your overall rating will turn to "good" when you hit 660.

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really????

[llecs]

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laz98 wrote:

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@llecs wrote:
Amyboo, your overall rating will turn to "good" when you hit 660.

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really????

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Yeppers. And I think Very Good is around 720, give or take. Seemed like it was an odd number like 718 or 728, or something like that.

[Anonymous]

Well I won't get there this month because of my utility. I went on a bit of a shopping spree this weekend and wont be able to pay the stuff off until next Friday ( I HAD to buy Halloween Clearance and get started early on my Christmas decorations - I looooove decorating for the holidays)

But it is good to know that I am just a few points away from good! Look out State Farm I'm coming to refinance my car!