There are also a good number, again around 20%, who are in the very highest bracket, having scores of over 780. Though whether they actually need to worry about their credit scores is another story! But with there being such a regional variation what is considered an average credit score in some states may well not be so useful in others. By the current 'deviation IQ' definition of IQ test standard scores, about two-thirds of all test-takers obtain scores from 85 to 115, and about 5 percent of the population scores above 125. All IQ tests show variation in scores even when the same person takes the same test over and over again.
What is a good TransUnion® credit score? That’s a good question. But before getting to TransUnion scores specifically, it’s helpful to look at credit score ranges more generally.
The usefulness of a credit score is in the eye of the lender.
Credit scores are designed to provide a quick snapshot of a consumer’s credit health. When lenders are evaluating a credit application, they are free to use credit scores as part of that process. Or not.
What’s more, if a particular lender considers credit scores, they are free to use whichever score or combination of scores they feel will best help them make a decision. They can also assign whatever weight or significance to a score or scores they would like.
So, generally speaking, what’s a good credit score for an applicant? It’s a score which, if used by a lender, is high enough to convince that lender to lend to that applicant under favorable terms.
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What about TransUnion’s credit score?
TransUnion uses the VantageScore® 3.0 model, but the above way of looking at it still applies: two different lenders may have completely different opinions on what a good-enough TransUnion score is. And since lenders may use several different sources of information to evaluate an applicant’s creditworthiness, one lender may view two separate applicants differently, even if those applicants have the exact same TransUnion score under consideration.
What does VantageScore have to say?
What Is A Good Bracket Score Tonight
Though there are no magic score numbers or strict cutoffs, VantageScore does provide some guidance on the quality of certain VantageScore 3.0 score ranges in this credit score chart:
The above grades/categories are meant to give a general idea of how a score stacks up, but again, it all depends on the lender, the loan and your entire application.
While you can’t control how a lender might view your TransUnion credit score, you can control credit behaviors affecting your score. So make sure you use credit responsibly: pay your bills on time, don’t borrow more than you can afford, and watch how frequently you’re applying for credit.