# What is your credit score (range in a Poll) **URL:** \ **Category:** In My Humble Opinion\ **Created:** [August 3, 2020, 7:23pm UTC](https://boards.straightdope.com/t/what-is-your-credit-score-range-in-a-poll/917182 "2020-08-03T19:23:26Z")\ **Posts on this page:** 6\ **Page:** 3
**Author:** ![Mallard](https://avatars.discourse-cdn.com/v4/letter/m/b9bd4f/32.png) [@Mallard](https://boards.straightdope.com/u/Mallard)\ **Post date:** [August 5, 2020, 7:24pm UTC](https://boards.straightdope.com/t/what-is-your-credit-score-range-in-a-poll/917182/41 "2020-08-05T19:24:59Z")
Ask my younger son’s first wife. She’s an expert on getting into the lowest possible credit scores. 🤪 ---
**Author:** ![wguy123](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/wguy123/32/3161_2.png) [@wguy123](https://boards.straightdope.com/u/wguy123)\ **Post date:** [August 6, 2020, 2:07pm UTC](https://boards.straightdope.com/t/what-is-your-credit-score-range-in-a-poll/917182/42 "2020-08-06T14:07:51Z")
> [@zimaane](#): > > At my worst, I had scads of late payments, some defaults, and two judgments against me for more than $1000; and my FICO was in the mid 400’s. You’d have to be really bad to get into the 300s. I’m guessing bankruptcies help drive it down as well. ---
**Author:** ![Projammer](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/projammer/32/559_2.png) [@Projammer](https://boards.straightdope.com/u/Projammer)\ **Post date:** [August 6, 2020, 4:13pm UTC](https://boards.straightdope.com/t/what-is-your-credit-score-range-in-a-poll/917182/43 "2020-08-06T16:13:57Z")
> [@Jophiel](#): > > I want to know how you manage to get your score down into the low 300s. Just WAGing here, but I’m thinking you’ll need all of these. Foreclosures Repossessions Bankruptcy, maybe plural. Years of 90 day past due payments on accounts. Accounts in collection. Maybe piss on the Experian CEO’s shoes for good measure. ---
**Author:** ![pullin](https://avatars.discourse-cdn.com/v4/letter/p/c57346/32.png) [@pullin](https://boards.straightdope.com/u/pullin)\ **Post date:** [August 10, 2020, 10:26am UTC](https://boards.straightdope.com/t/what-is-your-credit-score-range-in-a-poll/917182/44 "2020-08-10T10:26:37Z")
Wife’s a banker, and she watches our scores like a hawk. She also sets up loan/credit scenarios\* for the kids to ensure they enter adulthood with high scores. As a result, the whole family’s in the 800’s, wife’s is 840 (I asked her mine and she said close, but a little lower). \*Gets and pays cards and loans the kids really don’t need, just to establish their credit history. She says it’s incredibly important for their future, and that China isn’t the only country with a “Social Credit System”. Ours is handled by corporations instead of government. ---
**Author:** ![Buttercup\_Smith](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/buttercup_smith/32/473_2.png) [@Buttercup\_Smith](https://boards.straightdope.com/u/Buttercup_Smith)\ **Post date:** [August 20, 2020, 3:34am UTC](https://boards.straightdope.com/t/what-is-your-credit-score-range-in-a-poll/917182/45 "2020-08-20T03:34:46Z")
Once mine was a perfect 850 on Wells Fargo investment site. Now it’s at 815 which is still excellent. I bought a car but paid off all my credit cards. There is no understanding it for me. ---
**Author:** ![Mallard](https://avatars.discourse-cdn.com/v4/letter/m/b9bd4f/32.png) [@Mallard](https://boards.straightdope.com/u/Mallard)\ **Post date:** [August 20, 2020, 4:58am UTC](https://boards.straightdope.com/t/what-is-your-credit-score-range-in-a-poll/917182/46 "2020-08-20T04:58:35Z")
Mine is 855 out of 900. It was 867 but dropped in March. No clue why. [Previous page](https://boards.straightdope.com/t/what-is-your-credit-score-range-in-a-poll/917182.md?page=2)