Credit Score is Climbing…


Slow but sure!

In January of 2012 it was a whopping


It’s climbing.

This explains FICO:

  • How can I Rank My Score?
  • Scores are assigned a numeric value of between 300 and 850. Here is the general scale and what the scores may mean:
  • 700 and above: Excellent / Very Good Credit. You are considered a low credit risk by institutions and would generally qualify for the lowest interest rates and repayment terms.
  • 680 -699: Good Credit. You will usually be approved for loans with favorable terms.
  • 620-679: Reasonable Credit. You are a moderate credit risk, and while you won’t usually be refused credit, you will not be able to borrow at the best rates.
  • 550-619: Poor credit. You may have to shop around to find a lender willing to approve an application for you, and your loans will be quite expensive.
  • below 550: Very bad credit. You are considered a high risk customer and will have difficulty finding lenders. You will have to look seriously at some strategy of ‘credit repair’.

Maybe by the time I get out of this mess, it will be in the 700s.

I am not worried about it, I don’t need it now anyway.

It’s just kind of interesting to see it slowly but surely increase with the use of one itty bitty credit card reporting!

Kid is off to a tourney this weekend but I do hope to post about the 52 Week Challenge.  I need to try to catch up!

How you doing?




4 thoughts on “Credit Score is Climbing…

      Hi Patti,
      Copy and paste that link into your browser if it doesn’t work from here. It took me awhile to find the post for your but I wanted you to see it. I ended up opening a card that is really reasonable for someone in my position and it has helped!! I cancelled the Authorized User card. Long story, but my cousin got sick and it just didn’t help me at all, so I didn’t want to stress him out for nothing!
      Nice to see you!!!!

  1. It is a very good thing that you are working on your credit and implementing a smart financial plan. Your score will continue grow when you practice smart and responsible financial solutions. Keep up the good work, you will be glad that you did.

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