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Credit score range

Definition and comparison of the range of various credit score models, including FICO

| By Greg Fisher

The FICO credit score range is 550:

850 - 300 = 550

(Its lowest and highest values are 300 and 850.)



CREDIT SCORE CHART


MODEL
SCALE
RANGE
(unknown) (per HUD)
360-840
480
VantageScore
501-990
489
PLUS
330-830
500
FICO
300-850
550
TransRisk New Account
300-850
550
TransUnion
150-934
784

Experian used to have a credit score with a range that made sense— 1000— but changed it, ill-advisedly.





Definition of Range

Math.com
"In statistics, the difference between the largest and the smallest numbers in a data set."

Dictionary.com
Statistics. the difference between the largest and smallest values in a statistical distribution."

Encyclopedia Britannica
"The range, the difference between the largest value and the smallest value, is the simplest measure of variability in the data." (categorizes the term "range" as a numerical measure of descriptive statistics)

For confusion, see: http://mathworld.wolfram.com/Range.html

And, count on Wikipedia to provide an inaccurate definition of range with an entire section of its Credit score (United States) article called Range of scores. It never mentions a score range, and even conflicts with its own definition in Range (statistics).

Other scoring systems' ranges

50 (50 to 100) is the range of the Wine Advocate Rating System devised by Robert Parker. You get 50 for just showing up. That could be the idea behind most of the credit scoring systems: To avoid having people jump off ledges due to a score of 27 out of 1000, or obsessing over getting a perfect 1,000 (VantageScore curiously stops at 990).

Some scoring systems' ranges

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Also, see

"Fun with numbers"

"What is a credit score?"