说说FICO score
(2007-01-06 00:56:58)
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Excellent = 720 and above. You can almost always get the best interest rate.
FICO scores from different credit report agency might vary slightly, due to the difference in their tracking. But the variation should be within 20 points. If you have never been late in payment, most likely the only negative factor is short history. ( >25 years of CH is ideal. You don't have it, do you?)