re: What's the difference between a BEACON score and FICO score?

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Up to 950

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Exactly. You just never know with credit scores. Way too many models to keep it all straight.

Now I think people put way too much weight in their scores. As long as they pay their bills, have a long credit history, check all 3 reports once per year for errors, and keep their CC balances under 10% utilization then there is absolutely nothing to worry about.