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About Credit Score

Credit rating and credit score are monitored in western countries and in some Asian countries. This kind of no-credit rating is applicable in the case of a young teen age boy or girl starting college and is looking for college loan. Since there is no credit history they are categorized under no-credit category. However they do get college loan with parents as guarantor.



The next set of people who fall in this category or immigrant people coming from Asia and Africa and are settling for long term in western countries due to job or permanent immigration. Since they are new in system they also don’t have any credit. These immigrant people also get lower rating for credit but with time establishing residency and paying bills they start building credit history. Within 3-7 years can reach to good credit rating. Provided they don’t have any blemish record on their credit report. Even during building of credit history one should keep eye on credit report to scan for any wrong entry. Some time wrongly reported issues can bring down your credit score.



It is advisable to check at least once in year your credit report and scan for any wrong information against your name. Some time wrong transaction gets added against your name and some of those can really bring down your credit score. Any discrepancies found in credit report should be immediately informed to credit agencies for correction.

Type of Credit Rating
  • Excellent Credit: Above 770 – 850
  • Good Credit: Above 700 – 700
  • Fair Credit: 600 – 700
  • Bad Credit: Below -550
  • No Credit


     http://www.myfico.com     250x250 - What’s Your Credit Score?


Note: Although different credit agencies review your score slight differently but more or less they score approximately in above mentioned ranges.



Read more on credit score, visit .... Credit Monitoring

Credit Score Websites

1. Free Credit Report

2. CreditReport.com

3. Check Credit Score

4. Experian - Bureau

5. Equifax - Bureau

6. Transunion - Bureau

6. About Credit Score

Identity Theft Complaints

1. FTC - Govt.

2. SSA - Govt.

Credit Reporting Agencies

1. Experian

2. Equifax

3. Transunion