Credit Score Overview

This is a brief guide to help you determine your credit score based on your credit history
Excellent (Credit score higher than 680) - if you have had
• No 30 day late mortgage payments in last 2 years and
• No 30 day late payments on credit cards/consumer debt in last 1 year and
• No charge offs, judgements or repossessions in past 2 years and
• No bankruptcies, foreclosures in past 4 years

Good (Credit score between 650 and 679) - if you have had
• No 30 day late mortgage payments in last 1 year and
• Less than three 30 day late payments on consumer debt in last 1 year and
• No charge offs, judgements or repossessions in past 1 year and
• No bankruptcies, foreclosures in past 4 years

Fair (Credit score between 620 and 659) - if you have had
• Less than one 30 day late mortgage payments in last 1 year and
• Less than three 30 day late payments on consumer debt in last 1 year and
• Less than one charge offs, judgements or repossessions in past 1 year and
• No bankruptcies, foreclosures in past 3 years

Poor (Credit score less than 620) - if you have had
• More than one 30 day late mortgage payments within past 1 year and
• More than three 30 day late payments on consumer debt in last 1 year and
• Numerous charge offs, judgements or repossessions in past 1 year and
• No bankruptcies, foreclosures in past 2 years
• Bankruptcies, foreclosures within past 2 years