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Would you believe that 23.3% of consumers actually have a credit score of 800 to 850? The FICO score is usually between 300 and 850
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Don't worry if your score is not over 800. The bar for "excellence" starts at 800, but depending on which credit score is used
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FICO Score 8 is the most widely used variant by all three credit bureaus. You need a score of at least 800.
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You don't need an 800 FICO score to get the best interest rates for loans and credit cards, if you have at least 760 points, according to Informa Research
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With 820 score, you get the same rate. You may not be technically exceptional in the eyes of FICO, but who cares
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A 750 FICO score is considered a very good score. But 750 VantageScore is considered a good score only with a lot of emphasis on payment history and credit utilization.
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VantageScore does not give percentages for the factors included in the score calculation. Instead, it focuses on how "influential" a category can be.
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An Excellent Credit Score Helps You Save Money A 760 FICO score gets you a top rate of 4.919% on a 30-year, fixed-rate $300,000 mortgage
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What would be your monthly payment if your FICO score was only 630. Now, your interest rate is 6.508% and your monthly payment on the same mortgage is $1,898.
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In addition to getting a low-cost loan, you'll also qualify for a top credit card and lower insurance premiums in some states and in the midst of a financial emergency.