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Whats a good credit score


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A poor score is 597, and that's mine because I have lots of debt and little to no income. Still, I'm told that one can still get certain types of FHA loans for a house, though they may be sub-prime with high interest.

I'm working to reduce my debt, especially unsecured cc debt from 2 or 3 years ago, so I think my score is improving incrementally. Hopefully if I can settle with these JDB clowns (i.e. NCO Financial systems, Midland Funding LLC, Asset Acceptance, NCI) and with no more lawsuits, I might break the 600 threshold this year.

In the beginning of 2007 I had excellent credit of about 720. ...and that was from careful use of credit cards, paying bill every month, (including rent and utilities) and shoe-string budgeting.

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