Credit Repair



719 Fico Score – How to Choose

Lenders make credit decisions on credit cards, mortgage loans, and other accounts based on FICO credit score ranges, thus grouping all of the people in one range as having a similar risk profile. Therefore, a credit score is more likely to be used to indicate whether a borrower is a “good” or “excellent” risk rather than by comparing one score to another.

A FICO credit score can be as low as 300 to as high as 850. But there are breakpoints, or ranges, that are generally grouped together. Thus, someone with a 760 score may be considered on par with someone who has an 801 score, for some purposes.

Having a credit score above 750 is ideal, both because it fits within the traditional definition of super prime, and puts you in the top 40% of Americans. It’s likely that anyone with a score above 750 will find it easy to get the best possible terms on most loans, and avoid higher interest charges commonly associated with loans for people with less-than-stellar credit.

(Source: Credit Score Ranges by Jordan Wathen, The Motley Fool –

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  1. Diamond Cb
    July 25, 2021 at 12:37 pm

    Thank you so much. I am at 601 an I thought I would only be able to get a secured credit card.

  2. Antonio Fagain
    July 25, 2021 at 12:37 pm

    Is its possible to have a credit score of a 4 transunion reporting that on my went from 670 something to a 4 is this possible

  3. This NYC
    July 25, 2021 at 12:37 pm

    It’s interesting. I am at 744 and DiscoverIT increased at 14k in FedI was approved for Chase Sapphire Preferred in Jan for 14500k and I was approved this month for AMEXGold. Very informative.

  4. This NYC
    July 25, 2021 at 12:37 pm

    Great video!

  5. D. Anderson
    July 25, 2021 at 12:37 pm

    Indeed brethren when I hit 627 last February 2018 the flood gates opened up now I'm 738 now 733 I just opened a NFCU cashRewards Visa now I'm in the FICO garden again I'm officially over 5/24 for Chase oh well😁 Amex does soft pulls for existing customers so my next 2 everyday blue and gold

  6. EliTheRealist1
    July 25, 2021 at 12:37 pm

    Did closing the account hurt your score? I want to close about 4 sub prime cards, but they are my oldest accounts.

  7. David a Ozuna
    July 25, 2021 at 12:37 pm

    Hi Mr. Njoku