Transunion or equifax
How long does Equifax and TransUnion keep negative information? Equifax 3 years (from maturity date) Transunion 3 years (from satisfaction date) If your credit rating is negative, the amount deducted from your credit rating is determined by three factors:
Is Transunion the lowest credit score?
The top three credit reporting agencies - Equifax, Experian and TransUnion - perform lowest in the best performing regions. Each has its own strengths and weaknesses in the region. As a result, most lenders maintain office preference tables based on the perceived reliability of the files (primarily the amount of derogatory information) in certain regions.
What is a good TransUnion credit score?
TransUnion has a "good" credit rating between 661 and 720. TransUnion has a "good" rating above 781. TransUnion uses the VantageScore* model, which is widely used by lenders and financial institutions, so you can find and use guaranteed credit. Point distribution:
What is the highest score on TransUnion or Experian?
VantageScore (composed by Equifax Experian and TransUnion) has the highest possible credit rating of 990 (score range is 501-990). In fact, few people have such a perfect score.
How long does equifax and transunion keep negative information on money
Negative information, such as late or late payments, bills sent to collection agencies, or bankruptcies, typically remain on credit reports for about six years. Here's an overview of some of the different types of "negative" information and how long you can expect the information to appear on your Equifax credit report:
How long does TransUnion keep your credit report?
For those on Prince Edward Island, TransUnion stores this information for 10 years. Equifax will keep it for seven to 10 years. Read the fine print on your credit report for more information about regional differences.
What's the difference between TransUnion and Equifax credit report?
The difference is that Equifax counts from the date of the first transfer of the claim to the collection agency, while TransUnion counts from the date of the first payment arrears (when the invoice is first delayed by the collection agency). In some cases, this difference can be several months or even years.
How long does adverse information stay on your credit report?
This generally helps your credit history. Bad bills can stay on your credit report for up to seven years. Unsolicited information is anything a potential believer might find negative, such as: B. late payments or forfeiture of bills.
How long does equifax and transunion keep negative information on credit report
1 Most negative information generally stays on your credit report for 7 years 2 Bankruptcy information stays on your Equifax credit report for 7-10 years, depending on the type of bankruptcy 3 Closed accounts paid as agreed will stay in your account for up to 10 years Equifax credit report standing year.
How long does negative information stay on your credit report?
Most negative information will remain on your credit report for 7 years and some items will remain on your credit report for 10 years. 1️ You can limit the damage of derogatory information, even if it's still on your credit report. Removing a negative entry from your credit report does not mean you are out of debt. Exam period: two years.
How long does a closed account stay on your credit report?
Most types of negative information will remain on your Equifax credit report for 6 years.
How long does delinquency stay on your credit report?
Overdue: Seven years late on payments (usually more than 30 days late), late payments, and charges or bills passed to a collection agency can remain on your credit report for seven years from the payment due date. 3 Damage Limit - Make sure to pay or compensate on time.
How long does equifax and transunion keep negative information back
Equifax generally retains negative information for six years from the date it is reported to the lender. TransUnion, on the other hand, removes accounts with a bad credit history six years after the date of the first default (for example,.
How long does it take for credit report to go off?
Negative information on your credit report usually disappears after seven years, or after 10 years if you filed for bankruptcy. Positive information will remain on your report for an average of 10 years from the moment you close the relevant account.
How long does equifax and transunion keep negative information online
Equifax generally retains negative information for six years from the date it is reported to the lender. TransUnion, on the other hand, removes accounts with a bad credit history six years after the date of the first default (for example,.
How long does a tax lien stay on your credit report?
Bankruptcies and unpaid tax liens can remain on your credit report for up to 10 years. Positive information generally stays on your credit report longer. Credit bills that you pay as agreed can remain on your credit report for up to 10 years from the last update you received from the lender.
How long does equifax and transunion keep negative information available
Equifax keeps negative requests (for example from a collection agency) for three years, while TransUnion keeps them for six years. TransUnion conducts simple consultations in Quebec for two years and elsewhere for a year. Questions such as checking your own credit report will not affect your creditworthiness.
How long does Equifax keep a bankruptcy on record?
TransUnion will file for bankruptcy in New Brunswick, Newfoundland and Labrador, Ontario and Quebec within seven years of release. If you are not terminated, Equifax can keep your bankruptcy case for up to seven years from the filing date, while TransUnion has no limit on how long you can keep the information.
How does TransUnion calculate credit score?
Your TransUnion credit score is calculated based on several factors: your payment history is 35% of your score, the amount you owe to lenders includes an additional 30%, the length of your credit history and when it started. To borrow, get 15% off and new credit reports make up 10% of your bill.
How often does TransUnion update scores?
How often is your TransUnion ranking updated? You should expect your TransUnion score to be updated about once a month, although this can sometimes take up to 45 days. What happens if your account is lost after the update? Make sure all disparaging information is correct. If not, challenge and remove the submissions (increase your score).
What is TransUnion credit score used for?
“TransUnion's credit rating is often used in conjunction with ratings from other credit bureaus to provide lenders with a complete picture of borrowers' finances.
Is transunion the lowest credit score for a home loan
From the perfect apartment to completion, buying a new home is a personal step towards security, stability and independence. TransUnion can help you avoid unwanted setbacks by providing you with mortgage information on creditworthiness, fees and more as you prepare for a deal.
How does the FICO score work for TransUnion?
The FICO Risk Assessment uses information from TransUnion's comprehensive consumer loan repository to assess the risk of serious late payment, which could lead to legal action or bankruptcy, over a 24-month period. FICO scores help identify and separate reliable borrowers from those with 90 days or more arrears.
Can you get a home loan with a low credit score?
If your score is 580 or higher, you can apply for a government-guaranteed loan from the Federal Housing Authority. In many cases, FHA loans have resulted in a home loan with a low credit rating. What other mortgage costs do I have to take into account after the down payment?
What kind of credit scores do lenders use?
FICO scores are credit scores that most lenders use to determine your credit risk and interest rate. You have three FICO points, one for each of the three credit bureaus: Experian, TransUnion and Equifax.
What is the best free credit report?
The largest and best known of the free credit review sites is Credit Karma. Get free Vantage Score, free credit monitoring and free state and state tax training.
How can I pull a free credit report?
How to Get a Free Annual Credit Report Click Get Free Credit Reports Fill out the form to request one or more of your credit reports Complete the form Select the reports you want Confirm your identity Confirm your report There are many ways to get your credit report to look at.
How to get a real free credit report?
- Click the Get Free Credit Reports button.
- Fill out the form with your personal information, including your name, date of birth, social security number, current and former address (if applicable)
- Select the credit bureau you want to request a report from
Is there a true free credit report?
Yes, there is a free government credit report. The Fair Credit Reporting Act (FCRA) requires every credit reporting agency (Equifax, Experian, and Transunion) to provide you with a free copy of your credit report.
Low credit score
While mortgages can provide a low-credit mortgage, they have higher interest rates and unfavorable terms that can make it difficult to pay. Good creditworthiness is especially important in today's credit environment.
What is the lowest credit score ever recorded?
According to FICO spokesman Barry Paperno, the answer is no. FICO credits start at 300,850, so basically the minimum possible score is 300.
What is the lowest credit score a person can have?
The FICO score, the most commonly used scoring model, is in the range of up to 850. The lowest credit score in this range is 300.
What lowers credit score?
The length of your credit history is 15% of your credit. Therefore, closing credit card accounts, especially ones that have been open for years, can lower your credit score.
Is transunion the lowest credit score to buy a car
What's the minimum credit score for a car loan?
Of course, the deals on their platform don't represent all financial products, but their goal is to show you as many great options as possible. While a universal minimum credit score is not required for a car loan, your scores can have a significant impact on your ability to obtain loan approval and loan terms.
How does your credit score affect your chances of getting a car loan?
Your credit rating can affect your ability to get a car loan, as well as the interest rate and terms offered to you. Before you start shopping for a car loan, it's generally a good idea to check your creditworthiness and understand how it might affect the terms you can get on a car loan for a new or used car loan.
What should my credit utilization be for a car loan?
Credits can be used to calculate how much of the total available credit you are using. In general, it's best to use as little as possible; most experts recommend not to exceed 30%. The age of your credit history shows how long you have had outstanding credit cards or other loans.
What is the lowest and highest credit score possible?
VantageScore and FICO are the two main credit scoring models. For the base models VantageScore and FICO, the lowest score is 300 and the highest credit score is 850.
Is 60 a good credit score?
A credit rating of 60 is very low credit and signifies poor credit. 60 - NO good credit. A person with a credit score of 60 is less likely to get a loan or even a good job compared to people with a higher credit score.
What are the different credit score ranges?
There are different types of credit scores and each has a different range. Most people are familiar with the FICO version of the credit score. FICO values range from 300 to 850. According to FICO, you also have industry FICO values that range from 250 to 900.
Is 808 a good credit score?
A credit rating of 808 tops the scale. 808 is a bad credit rating. 808 is an excellent credit rating. Someone with a credit rating of 808 will probably be able to buy the best loans with the best interest rates and loan terms.
Can you get a mortgage with a bad credit score?
If you have good credit, financing is easy for you; if it is bad it will be difficult to get a mortgage. What solvency is required to buy a property? If your credit history is bad, you may wonder how far the lender will go.
What should my credit score be to get a loan?
Your creditworthiness is a number between 300 and 850 and is used to represent your creditworthiness. Several factors are evaluated to determine your creditworthiness, and regular and government-backed loans have different credit requirements.
What is the lowest credit score
No credit bureau has the lowest total score. Equifax, Experian and Transunion share the same distribution of FICO and Vantage scores among hundreds of millions of US consumers.
What if I have a low credit score?
If your credit rating is low, you will definitely face negative consequences. For example, you may not be eligible for a home loan or another loan that you need. If you got a loan with bad credit, you will probably have to pay a much higher interest rate.
What does it mean to have a low credit score?
Low credit means that it will be difficult for you to buy anything on credit. This means that it will be difficult to get a loan for a house, a car, etc.
What is a good FICO credit score?
Dependent on credit: Excellent: 800+ Very good: 740 to 799 Good: 670 to 739 Fair: 580 to 669 Poor: 579 or less.
How to improve my TransUnion credit score?
- Paying bills on time and trying to make a payment that suits your financial situation can help you pay off your debts faster.
- Close all unused credit accounts (
- Register on the electoral roll and make sure your current address is included on your credit report.
- Keep your loan usage low by working under your credit limit.
What exactly constitutes a good credit score?
- Excellent: 800 or more
- Very good: 740 to 799
- Good: 670 to 739
- Weight: from 580 to 669 units
- Bad: 579 or less
What is a good vantage credit score?
690-720 is considered good credit and anything above 720 is excellent. VantageScores components display payment history, credit depth, available credit usage, balance, and current creditworthiness.
What FICO score is considered good credit?
FICO scores range from 300 to 850 - only 1% of consumers get an ideal credit score. Typically a very good credit rating of 720 or higher.
Does anyone ever get a perfect credit score?
An ideal credit score of 850 is technically possible, but not for everyone, according to FICO spokesman Craig Watts.
What is a good score for transunion settlement
The credit score you see on TransUnion is based on the VantageScore model. The model scores between 300 and 850. TransUnion and VantageScore are well between 661 and 720. If your score is above this range, you can take advantage of the greater freedom and flexibility that a healthy credit rating offers.
What is a good credit score range with TransUnion?
What is a good credit rating range on TransUnion? Credit scores on TransUnion range from 300 to 850 and can affect your ability to borrow money. See how well your credit history fits into the ideal area.
What is the CIBIL TransUnion score in India?
CIBIL™ TransUnion Score is a three-digit credit score provided by TransUnion CIBIL Limited, one of the leading credit reporting agencies in India. Creditworthiness helps monitor and track loan repayment history.
Is there a financial relationship with TransUnion interactive?
Advertiser Disclosure: TransUnion Interactive may have financial relationships with one or more of the institutions whose advertisements appear on this site.
What should my credit score be on VantageScore?
For VantageScore, A is between 787 and 850 and B is between 720 and 780. A value between 658 and 719 is called C.
What is a good score for transunion charge
TransUnion scores range from 710 to 710; the higher your score, the better your chances of getting a loan. TransUnion: 0710 Equifax: 01,000 Experian: 0999.
What is a good score for transunion retirement
The model scores between 300 and 850. TransUnion and VantageScore are well between 661 and 720. If your score is above this range, you can take advantage of the greater freedom and flexibility that a healthy credit rating offers.
What is a good score for transunion security
Good TransUnion and VantageScore scores range from 661 to 720. As your score rises and exceeds, you can enjoy the greater freedom and flexibility that comes with a good reputation. Some people want 850 points, the highest possible credit rating.
Why is TransUnion score lower than Equifax?
Why is your Equifax credit rating lower than TransUnion's? Your credit score helps you get a loan, buy major items, rent an apartment, find a specific job and is seen as a window into your financial security. The higher your creditworthiness, the better the loan conditions.
What's the difference between Experian Equifax and TransUnion?
For example, Equifax and Experian only record your employer's name as part of your employment history. TransUnion, on the other hand, lists more specific information, such as your title and the dates you worked there. The information sent also differs from office to office.
What is the highest C redIT score possible?
These are the main FICO credit score ranges: Excellent: 800 to 850 Very good: 740 to 799 Good: 670 to 739 Good: 580 to 669 Bad: Less than 580 4.
What is the number to TransUnion credit report?
Contact TransUnion to request a copy of your credit report by calling 18773228228. Decline an item on your credit report or add a fraud warning to your report by calling 18009168800. Call Equifax's automated call center at 18006851111 .
Is Experian credit report accurate?
The Experian PLUS score is a more accurate representation of an individual's actual credit history because Experian uses the individual's actual credit history they recorded when calculating the score. However, lenders do not use the Experian Plus rating, it is only used for discerning consumers.
What is the high credit score?
For VantageScore, a value between 700 and 749 works well, and a value between 750 and 850 is excellent. The highest and best credit score possible is 850 for the FICO and VantageScore models.
What is the highest score you can get on the SAT?
SAT scores range from 200 to 800 per section, or 400 to 1600 in general. This will give you an ideal SAT score of 1,600. This is the result of your general test.
What percentile is 1380 on the SAT?
That places him in the 94th highest percentile of the 1 million SAT students nationwide this year. In comparison, 1,380 on the SAT becomes 30 on the ACT based on College Board/ACT compliance.
Is 1560 a good SAT score?
The SAT 1560 score is a good score for most elite US universities. If other aspects of your application, such as the overall average grade and personal profile, are good enough, you can login to UCB.
What is the highest SAT score ever achieved?
SAT Evidence-Based Reading and Writing has 200,800 points and SAT Math has 200,800 points. 800 is the highest satellite score ever in any of these divisions. On the other hand, the highest SAT score is also 800 and the SAT score range is 200 800.
What is the highest score on transunion or experian check
Why your scores may differ Type of Credit Type of Credit TransRisk Credit Score Range 300850 Experian National Equivalency Assessment 360840 Equifax Credit Score 280850.
What's the best credit score you can get with TransUnion?
The model scores between 300 and 850. TransUnion and VantageScore are well between 661 and 720. As your score rises above this range, you can take advantage of the greater freedom and flexibility that comes with healthy credit. Some people want 850 points, the highest possible credit rating.
How much does it cost for TransUnion credit monitoring?
Credit monitoring costs $ per month. Active Duty Service members can receive free Active Duty Credit Monitoring, which provides unlimited access to their TransUnion credit report and email notifications within 48 hours of notification of a critical change to their credit report. Experian vs.
Which is better TransUnion or VantageScore
TransUnion offers a much less used VantageScore. While your scores on the two credit scoring models should be the same, it makes sense to check the rating lenders are most likely to use.
What is the highest IQ score ever scored by a person?
The highest IQ ever achieved on the advanced IQ test was that of Abdesselam Jellul. Those who achieved an adult IQ of 198 in the 2012 test, which included 13 dimensions of intelligence (analytical, spatial, logical, memory, musical, linguistic, philosophical, moral, spiritual, interpersonal, intrapersonal, physical, and naturalistic).
What is the highest IQ score you can possibly get?
The maximum possible IQ is 228 because the person has reached that value, but with the new scoring methods based on the normal Six Sigma curve, the maximum possible is around 180.
Is 109 a good IQ score?
109 is most likely your average IQ. In fact, an IQ of 109 assumes you have average intelligence. An IQ of 109 places you in the middle of the IQ scale. Notably, most IQs are between 40 and 140. Typical IQs are between 80 and 120. Therefore, an IQ of 109 is relatively normal.
What is the highest rating of IQ ever recorded?
Leonardo da Vinci had an estimated IQ of about 220, which is the highest IQ ever recorded in human history. One of the brightest minds of all time, Albert Einstein, is believed to have an IQ of 165 to 190, which is still lower than Sir Isaac Newton and Galileo, who both had an IQ of over 190.
What's the difference between TransUnion and Experian?
Unlike Experian, TransUnion does not offer a free trial or flat fee payment option for its premium monitoring product. You can check your credit score on one of the three major credit bureau websites.
What does TransUnion credit monitoring do for You?
TransUnion Credit Monitoring is a paid service that gives you unlimited access to your VantageScore credit history and TransUnion credit report, alerts you to critical reporting changes from the three offices, and provides educational resources to help you achieve your goals.
What was the highest score in a football game?
Go to navigation Go to search. The highest score in a National Football League (NFL) game was recorded on November 27, 1966, when the Washington Redskins and New York Giants scored 113 points in 7,241 wins for the Redskins.
What was the highest scoring football game of all time?
The highest score in a National Football League (NFL) game was recorded on November 27, 1966, when the Washington Redskins and New York Giants scored 113 points in 7,241 wins for the Redskins.
What is the lowest score in football?
At any time during the game, a team can score 1, 2, 3 or 6 points. (A team cannot score a point without scoring the first touchdown.) The smallest possible score without a touchdown is two points earned as a result of safety.
What is the highest score in college football history?
The main college football game was the Georgia Institute of Technology against Cumberland, with a final score of 2,220.
Highest score in nfl history
This month marks 55 years since the most successful NFL game ever - a 113-point ■■■■■■■■■ from Washington and the New York Giants. On November 27, 1966, Team Washington, led by Hall of Fame quarterback Sonny Jurgensen, defeated the Giants 7241 in a 17 game goal.
Who are the highest scoring players in NFL history?
The highest score in a National Football League (NFL) game was recorded on November 27, 1966, when the Washington Redskins and New York Giants scored 113 points in a 72-41 win over the Redskins.
What NFL team scored the most points?
Lamar Jackson and the Baltimore Ravens were the top team in the NFL in 2019. Patrick Mahomes and Kansas City executives scored the most points in 2018. Photo: @TheUndefeated (Twitter).
What was the most lopsided score in NFL history?
The Bears have had 11 touchdowns and 730, the most one-sided win in NFL history. The game was radioed on the Mutual Broadcasting System, the first NFL title game to be broadcast nationally. Washington defeated Chicago 73 in a regular season game three weeks earlier in Washington.
What is the highest score ever in the NFL?
The 2020 season ended with 12,692 points, the highest in NFL history. According to NFL Research, the grand total also broke the previous record of more than 700 points, the old record of 11,985 points set in 2013 and finished the first season with more than 12,000 points.
Is transunion or equifax more important
In fact, the Transunion is no more important than the Equifax Transunion and it is beneficial to know the Equifax ratings. You can check your credit scores for free on Borrowell (Equifax) and Credit Karma (Transunion).
What is the difference between TransUnion and Equifax?
Like Equifax, TransUnion sells credit reports directly to consumers. Unlike Equifax, however, TransUnion provides the credit information it collects to potential lenders rather than individual companies. In addition, unlike Equifax, TransUnion has been an independent credit reporting agency since 2005.
What is the function of Equifax Experian and TransUnion?
TransUnion is a credit reporting agency. It tracks borrowers' credit history to compile credit reports and credit scores.
Is TransUnion or Experian better?
Experian Credit Reporting and TransUnion Credit Reporting are qualitatively very similar and have the same overall rating. However, Experian outperforms TransUnion in the following areas: granularity and frequency of reporting, as well as credit and rating agencies. While TransUnion is better priced in terms of subscriptions and pricing as well as additional monitoring and features.
Do banks use transunion or equifax
Since TransUnion and Equifax are two separate registry instances, they target the same information differently. As a result, your TransUnion score will often deviate from your Equifax score. Equifax uses an 81-month credit history model, while Equifax uses a 7-year credit history model.
Which is credit reporting agencies banks use to pull your credit report?
There are three major credit reporting agencies or credit reference agencies (CRAs) that banks and credit card companies use to obtain credit reports: Equifax, Experian, and TransUnion.
What's the difference between borrowell and Equifax credit scores?
It is important to note that Borrowell uses credit ratings from Equifax and Credit Karma Transunion. This means that the feedback you receive from each company will be different, as will the feedback from Equifax and Transunion. Why are my Equifax and Borrowell ratings different?
Is the FICO score generated by Experian or Equifax?
However, FICO scores are based on information from three major rating agencies, including TransUnion, Equifax and Experian. Therefore, your FICO score is still indirectly influenced by the information available about you from these agencies, even if it is in one way or another.
Experian transunion or equifax
As you can see, while Experian and Equifax are similar in weighting credit score factors, Transunion pays more attention to loan payment history and maturity than to usage, credit and the number of applications. Benefits of Studying Credit Bureaus.
Who owns TransUnion credit bureau?
Transunion - This privately held company employs more than 2,600 people and is based in Chicago, Illinois. The company is owned by the Marmon Group, which is controlled by the Jay Pritzker family.
What's the best credit monitoring service?
Based on their research, Identity Guard is by far the best credit monitoring service. Not only is it a comprehensive program that tracks certain changes to your balance, but it also offers some of the best identity theft protections in the business.
What is the best credit report company?
- Ideal for TripleBureau reports:
- Ideal for Experian credit reports:
- Ideal for Identity Theft Insurance: Sesame Loan
- Ideal for credit monitoring: Credit Karma
Experian transunion or equifax which is better
Equifax offers the most comprehensive credit monitoring and identity theft protection of the other two credit reporting agencies, Experian and TransUnion. The Premier Equifax Comprehensive Plan gives you many of the same features as its top winners, including daily checking by three credit reporting agencies and multimillion-dollar identity theft insurance.
Is Experian the lowest score?
Experian has a credit rating range from zero to nine hundred and ninety nine. (0999). The lowest credit score you can have on your Experian UK credit report is zero. Anything above 961 on your Experian credit score is very good, and anything below 560 on your Experian credit score is bad.
Is TransUnion credit score accurate?
TransUnion is correct, but may conflict with other estimates. The only way your TransUnion credit is wrong is to check your TransUnion credit report for errors, which in turn can affect your credit. Unfortunately, errors can occur from time to time.
How to get all 3 credit reports for free?
- Go to
- Click Get Free Credit Reports.
- Fill out the form to request up to three copies of your credit report.
- Select the desired reports (Experian, Equifax and/or TransUnion).
Transunion or equifax more accurate
When it comes to Equifax and TransUnion, both offices are specific and equally important. Small differences in these values are generally not a cause for concern. If you find a big difference after checking your credit history, check your credit reports and decide if you need credit help.
What is the most commonly used credit bureau?
According to Ulzheimer, the two most common credit scoring systems are FICO and VantageScore. FICO was created by Fair Isaac Corporation and is most commonly used by lenders. VantageScore was created by three credit bureaus: Experian, Equifax, and TransUnion.
How does Equifax calculate a credit score?
How does Equifax calculate your credit score? Equifax calculates your credit score based on the information in your credit report at the time your credit score was requested. Equifax not only takes into account your payment history and any adverse events, such as delinquent debts and court decisions, but also considers factors such as:
Is the Equifax FICO score typically the highest?
Equifax's credit score models use a number range of 280 to 850, and the FICO score models use a range of 300 to 850. In both cases, higher credit scores indicate lower credit risk.
Is transunion or equifax better
TransUnion accepts more loan applications than Equifax. This is an advantage for you as a consumer. This means that with TransUnion you can increase your score knowing that you will use it to get higher interest rates on loans and other purchases. When it comes to loan rates, Transunion is clearly the best company.
Does Equifax hurt your credit score?
While obtaining your Equifax credit report or credit score based on the information it contains will generally lead to an application, it will not affect your credit score. 8. Challenging Information About Your Credit Report.
Do auto loans use transunion or equifax
Basically, Equifax and Experian are more commonly used by car borrowers, while TransUnion is less commonly used to check car loans, at least in some parts of the United States. Remember, knowing which dealership works with which credit bureau is not as important as knowing your creditworthiness or FICO score, as it will help you get the best loan rates.
Which is credit score is used for car loans?
FICO Auto Scores are based on the overall FICO Score and then adjusted to better predict the likelihood of a car loan being paid on time. Your car loan history can be especially important in determining your FICO vehicle scores.
What should my credit score be on Equifax?
Equifax ratings range from 300 to 850 and are measured in steps. An excellent value is between 800 and 850. Values between 740 and 799 are considered very good. A good value is 670 to 739, a good value is 580 to 669.