Jan
No job history, 1 small limit store credit card, student loans. I just want to know if this is a good starting out credit score?
Answer:
Yes that is good
the score ranges:
* 760-850 Excellent
* 700-759 Very Good
* 660-699 Good
* 620-659 Marginal
* 580-619 Poor
* 500-579 Very Poor
Answer:
Ok a lot of people will tell you this is good / bad score, truth is it is neither. I assume this score is from experian / Equifax, neither of these lend money and as such it is of little use.
How a potential lender may view it :-
No job history - bad
limited credit - bad
student loans - indifferent
no job \ student limited work history - bad
You are currently a high risk.
want to improve this get a fixed address get a job. Maintain credit payments do not get into to much debt.
Once working for 4 - 6 months if you need credit apply to your own bank they may give u a card based on your accounts with them run this well and this will start improving your score.
the 672 means nothing without seeing their scoring system and cut off point. Most credit issuers use their own scoring system and have diferent cut off points for ther products although currently the best credit facilities would not be available to you.
Answer:
672 isnt great, but is better than mine. I am using IMT to get my scores up. They can get erroneous, obsolete and inaccurate items deleted from your credit reports. The link I used is www.imtcredit.com/elt - good luck to you. Book Mark it-> del.icio.us | Reddit | Slashdot | Digg | Facebook | Technorati | Google | StumbleUpon | Window Live | Tailrank | Furl | Netscape | Yahoo | BlinkList