In my 14+ years of practice, I've seen the entire range. From a sub-400 score to nearly perfect, I've seen them all. To get under 400 you pretty much need to have simply never paid anything on time, and not have paid most creditors back at all. To get a nearly perfect score you need to borrow money not because you need to, but because you want to.
The links over to the left will give you some guidance. You can only be sure about your own credit by running an actual report and looking at it. If you'd like simply to run credit and have an experienced lender look it over for guidance, please call.
