Also when do you get to excellent? Next, with a 640 FICO score, perfect payment history but not good D.T.I. what kind of rate can expect? Thanks everyone!

and yes Im working on the old score!

I recently got married to a person with a lower FICO score than I do. If I add him to one of my credit cards as an additional user, would this lower my FICO score?

I was thinking of applying for a store credit card, and I checked my credit on all 3 of the major credit reporting agencies. All of them are different with one being 50 points lower than the highest one. Do they go by the best score, or do they average out the 3 together to get a final FICO score for determination of the credit card?

I have a 592 fico and still need a cosigner? What score is need to purchase a vehicle no money down no cosigner?

For example, if you have 3 scores from each of the bureaus and they are all different – e.g., 675, 700, 725 – is your FICO score the average of the three (700)?