There’s a lot of animosity about this grading system, but it is part of our financial lives.
work. And there’s a lot of animosity about the grading algorithm.in which I explained why my perfect 850 credit scores dropped after paying off my home. And, yes, you have more than one. The basic FICO score ranges from a low of 300 to a high of 850.one commenter wroteAnother wrote: “I have no late payments in 36 years, carry over very few if any monthly [credit card] balances, only use 2 percent of my total available credit, and I’ve never received a score higher than 830.
If you pay your debt in full and on time, you can have excellent credit. Lenders want to see that you use credit responsibly, not that you carry a balance.
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