Your Take: What’s Your FICO Credit Score?

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This week’s Your Take will be a little different, it’s going to be a poll (though you are still welcome to leave comments!).

A few weeks ago I talked about the FICO score credit range. In that post, I referenced a statistic published by FICO that said 58% of all FICO credit scores were above 750. Here’s the chart of score distribution:

FICO Score Range Distribution

I’ve always believed that readers of personal finance blogs are, by definition, savvier about personal finance than the average bloke on the street. Since a personal finance reader is more interested in personal finance, it stands to reason that they would have a better handle on their finances. So, the question I pose to you today will in fact be the first poll in history:

If you don’t know your FICO credit score, you can use myFICO ScoreWatch (myFICO ScoreWatch review) or one of these free FICO credit score trials to find out what it is. If you don’t want to deal with the trials, you can always try one of these FICO credit score estimators too (My vote goes to Credit Karma because it’s free).

Whatever you use, I’m curious to see how our distribution looks compared to the “national average.”

{ 30 comments, please add your thoughts now! }

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30 Responses to “Your Take: What’s Your FICO Credit Score?”

  1. Roy in Virginia says:

    I have enjoyed reading your blog for almost six months. I have you as an RSS feed on my Google Reader so I won’t miss an issue.

  2. A bit of a contrarian take here–it might be best to focus a bit less on tracking credit scores and to center the credit report effort on monitoring and correcting erroneous information.

    Credit scores change continuously. If I say I a have a 720 credit score because that’s what came up three months ago, it’s already changed several times, and in truth I have no idea what it is. Credit scores can rise and fall for reasons we’re not aware of. The scoring process is a closely guarded matrix and the matrix itself can be tweaked by the issuer from time to time.

    The issues that can sink a score are in the details, and that’s where your attention really needs to be. Any creditor can put any information on a report that they chose and the burden of correction will be on you (sorry to be so heavy but that’s the reality of the situation).

    Worry less about a pretty credit score and more about a maintaining a clean credit record.

    Besides, the primary purpose of a credit score is to obtain credit, and we’re supposed to be working on getting out of debt… 😉

  3. Sid says:

    I think your post should read that 58% of FICpO scores are above 700. By my reading, %40 are above 750.

    Interesting post, I’m looking forward to seeing the results of the poll.

  4. Sid says:

    I think your post should read that 58% of FICO scores are above 700. By my reading, 40% are above 750.

    Interesting post, I’m looking forward to seeing the results of the poll.

  5. Josh says:

    Kevin-This is not your blog. It’s his. He can talk about whatever he wants.

    • Jim says:

      I appreciate all points of view because as my wife always tell me, I’m usually not right. 🙂

    • As a person who has worked in credit for many years, I was offering a different perspective, one that I hope offers some value. There are people who have credit scores that aren’t flattering, and what I presented might provide some hope–and a proactive approach–from a different direction.

  6. Yana says:

    I got my score awhile back, think it was in the 650-699 range. I tried Credit Karma when you mentioned it recently, but couldn’t get anything because I have fraud alerts on my credit reports. Will try again when they expire.

  7. Last time I checked my credit score it was around 720 but that was over 6 months ago. I’m sure it’s gone up since then. And the only reason it was that low 6 months ago was because of one late mortgage payment about a year prior.

  8. lostAnnfound says:

    I checked out Credit Karma a few weeks ago after reading about it here and it was only 4 points off the score I got when I pulled my credit report in February (score of 798 in Feb., Credit Karma 794). I don’t think my credit score changes as much because we have not obtained any new credit recently. I just made the final payment on the truck loan today (WHEW!!), so should I anticipate it going up slightly with this debt being paid in full?

  9. My Journey says:

    Found out about Credit Karma frm this site, rocking out a 700+ which considering where I was years ago…am pumped about!

  10. eric says:

    My score has been fluctuating between 740-760 so I guess I cross both ranges. 🙂

  11. Tim Hawkins says:

    I checked my score on Credit Karma in March, and again just now. 704 both times. Other than logging 3 more months as a credit card “deadbeat” (since we fully pay off each month), and one new card, a Costco AmEx for the rebate, nothing changed. So, I’ll assume that the new card kept my score down, and it should start rising again.

  12. EmBee says:

    creditkarma showed my score was 727 yesterday, should be still the same today ha.:)

  13. Bob says:

    The last time I checked my score was 760 or therabouts…

  14. John says:

    I signed up for myFICO subscription not too long ago. It gave me an Equifax FICO of 714. After it found out that I opened a Discover, it went down to 710.

    Creditkarma (Transunion transrisk score) says 732.

    My history, student loans started fall 07, capital one and bank of america $2150 total summer 2008, Discover and Citi Forward $6500 May 2009 (after FICO scores), no income. lolololol

  15. Darin says:

    Mine was not quite 800 a couple of months ago, I’m sure it dropped a little bit since we bought a vehicle and got a (small) loan, but I’m sure it’s still above 750.

  16. Deby says:

    I just happened to check mine this morning. It dropped 9 pts, to 784, probably due to heavier than usual credit usage last month (always paid in full), or possibly because I closed a couple of store cards I no longer use. I had it just above 800 once, I’ve been trying to get it up there again.


  17. thomas says:

    I have a “great” credit score, but it doesn’t really mean too much right now. I have a house, I have my car. I don’t carry any credit card debt and have no need to buy anything anytime soon.

  18. Jim – Your poll is biased because it doesn’t include this answer option: I don’t know.

    • whogivesarat says:

      Who cares – this is just for fun! Kinda like kids experimenting with their favorite color….

    • Shock says:

      You can go from “I don’t know” to “My credit score is xxx” in 5 minutes. Just sign up at

  19. Observer says:

    I have never seen but would love to see a homeowner/renter breakdown of FICO scores.

    I’m guessing that the mean/median scores for homeowners is at least above the numbers for renters.

    Homeowners typically have ‘better’ (for scoring) credit mix (e.g. mortgages, which renters by definition do not have) than renters, longer credit histories, and probably lower debt-to-cr4edit limit ratios.

    • Observer–good point. Plus a mortgage is the single strongest entry on a credit report. Rental history doesn’t show up on a credit report–unless it’s a bad rating! For a renter, a credit report can only work against them!

      One negative against the homeowner though is that since a mortgage carries so much weight, a late payment or two can send your score right down. And a foreclosure…let’s not talk about what that can do!

  20. Mine is just shy of 700. But like Thomas said it doesn’t matter since I already have all the loans and stuff I need, so it will only go up from here!

  21. emma says:

    Mine is very low – about 690 at last peek. Having said that, I own my car, I don’t use credit cards and my only debt is a 2.1% student loan. And I have money in several mutual funds, a nice retirement fund through work, a Roth IRA, a savings account and some stock. I guess I just don’t borrow enough to look good on paper?! Whoa.

    • SavyMom says:

      I agree I have some problems with increasing my credit score because my only debt is my home loan and school loans. I have been told that I don’t have enough debt but I’m planning on being totally debt free soon soooo…… I guess it may be rather difficult to incrase that score.

  22. Jim, You did a nice job in your interview on ABC on the topic of credit reports. Mine’s just over 800, and I no longer have a mortgage. About the only outstanding debt is a car lease.

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