Is this FICO score range accurate?

[lhcole77]

This score range was posted on Barclay's FICO score tab. Is 700 really the mark for excellent? I've read elsewhere that 720, 740 or 760 were the scores needed to be considered excellent.

[user5387]

The median FICO score is around 711, so I'm not sure how accurate this graph is.

Some CUs have tables that show minimum scores required for various APRs, and typically 740 is where the best APRs start.

Actual lenders typically make decisions based on a set of criteria, and score is only part of it.

[bobebob]

I'm not sure what CRA Barclay's uses for thier FICO score.  But I thought that all the standard FICO scores were on a scale of 300 to 850. I know the FICO scores I get from DCU and Walmart Discover both go to 850.

Your scale ends in 800, so I'm not familiar with seing that score range in a FICO score.  I've seen it a lot in a FAKO score, but the chart is labled "FICO" so I suppose it could be one of the specialty scores FICO generates for more specific uses.

Anyone more familiar with Barlay's care to chime in?

[Revelate]

I think it's a sloppy image that someone tossed into to make it pretty without understanding it.

Barclays = Wally = Discover = TU '08 from everything I've read.  Same product from Transunion.

[lhcole77]

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@bobebob wrote:

I'm not sure what CRA Barclay's uses for thier FICO score.  But I thought that all the standard FICO scores were on a scale of 300 to 850. I know the FICO scores I get from DCU and Walmart Discover both go to 850.

Your scale ends in 800, so I'm not familiar with seing that score range in a FICO score.  I've seen it a lot in a FAKO score, but the chart is labled "FICO" so I suppose it could be one of the specialty scores FICO generates for more specific uses.

Anyone more familiar with Barlay's care to chime in?

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Good eye! I didn't even catch the 800.