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Very Poor, Fair, Good, Very Good, Excellent

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Regular Contributor

Very Poor, Fair, Good, Very Good, Excellent

I am currently in the "good" bracket. Does it make a difference if I have 710 vs 739? Are the lending practices within a given bracket ubiquitous?

Current Open: NFCU AMEX $6,800 CL | Chase Freedom $3,800 CL | QS1 $1,300 CL | BankAmericard $24,000 CL (AU) | NFCU SSL $3,000 |
FICO 8 EXP, EQ, TU: 675-715 (depending on Utl.) | AAoA 3 Years 3 Months | AoYA 0 Months

Closed: American Honda Finance Installment $16,000 paid satisfactorily | Capital One Secured $700 paid satisfactorily | Wells Fargo credit card $3,000 paid charge off settled less than full amount (badie 2015) | Bank of America credit card $1,000 paid charge off settled less than full amount (badie 2015)
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Super Contributor

Re: Very Poor, Fair, Good, Very Good, Excellent

Those words are meaningless and just fluff provided by front-end CMS software.  What matters are the ranges associated with any potential lender.  What one lender considers "excellent" (defined by me as worthy of a product at their best rate/terms) does not necessarily match the view of another. 

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