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Even though you actually have dozens of credit scores that it’s often referred to in the singular. Having said that, probably the most common credit scoring model presently utilized may be the FICO Score 8.
The FICO Score 8 operates on a scale of 300 to 850, with 850 being top feasible rating. Although this might create it appear as if a 500 to 550 credit history places you close to the center, the common FICO Score in the united states is obviously around 700 — and everything under 580 is securely when you look at the “bad credit” category.