I have always been confused about credit scores. I want to know which is the best to have and why you want to maintain those numbers. I couldn't tell you what my current scores are as I have not checked in sometime.
What number is considered the best overall?
This picture can help you
if you can keep it as “excellent” or “good” it would be awesome and no problem at all with mortgage or credit.
If I had to peg a single number, I would say 750. You want your scores to be high but not too high and you never want to end up in the red where they are bad. You will struggle to get loans and financial help everywhere you go with bad scores.
I was always under the impression that you never wanted your scores below 700. This is what I have always been told anyways. My scores has been stuck at 635 for awhile now and it is rather annoying.
I always thought 600 was good! LOL! Wow no wonder I am struggling. I wonder why they don't teach you about this stuff in school. So much time wasted that I have to make up for.
The higher the better, obviously. I think having 800+ is ideal and a goal we should all strive to get to. Far too many people have bad credit these days and it really impacts what you can and can't do in terms of buying properties, renting, or purchasing a vehicle.