Join the Meeting Place for Moms!
Talk to other moms, share advice, and have fun!

(minimum 6 characters)

Is a credit score of 639 considered good? What is the highest credit score a person can have?


Asked by keisha613 at 8:23 AM on Jun. 5, 2011 in Money & Work

Level 26 (26,906 Credits)
This question is closed.
Answers (7)
  • 639 is not bad at all and most companies will look at you seriously when applying for credit. 800 is the best credit score, but nearly impossible to have! To get your credit score higher, try lowering your debt to income ratio by paying down some of the balances you have on things like credit cards and auto loans.

    Answer by MrsSpidey at 8:39 AM on Jun. 5, 2011

  • A perfect FICO credit score is 850. A good credit score is anything above 700. What you have would be considered Fair. You probably won't be able to get a mortgage with it but you could probably get a small car loan or lines if credits at stores but your interest rate will be higher.

    Answer by JeremysMom at 8:40 AM on Jun. 5, 2011

  • The highest credit score one can achieve is the magical FICO number of 850, which is a perfect score. The highest scores usually range in the area of 720-850. This range is considered to be excellent credit. Anything above a 700 score is considered good.

    Answer by whitepeppers at 9:06 AM on Jun. 5, 2011

  • Yep, whitepeppers, that's exactly what we discovered last year when we were house hunting. Our scores were in the low 700's.

    Answer by meooma at 9:29 AM on Jun. 5, 2011

  • If you have a score in the 600 you might get credit but will pay a high interest rate. As far as a house, apartments or job they want in the 700. Checked homes yesterday and they wanted in high 700.

    Answer by sweet11-12 at 11:23 AM on Jun. 5, 2011

  • I am a Realtor and I have a lender that can fund a FHA loan with a 620 credit score. That is if you have no late payments within the last 12 months.

    Answer by voni681 at 2:58 PM on Jun. 5, 2011

  • 720 is perfect.
    Is say your about average in todays economy.
    I wonder & worry about the people out of work, losing their homes, ect
    639 - you've had a few bumps but it depends on what your applying for.

    Answer by SassySue123 at 8:34 AM on Jun. 5, 2011