Bryant Quinn columns Jane Bryant Quinn welcomes letters on money issues and problems but cannot offer individual financial advice. Trans Union says it will give out scores, starting this summer, to people who order credit reports. The report may tell you how to raise your score by a few more points, but that wouldn't make any difference to your life. You're already being offered credit on the very best terms. Credit scores generally range from 300 to 850.
Every lender has different cutoff points, for what's acceptable.
Excellent-scores above 730. No credit or limited credit-below 585. The best and fastest ways are to pay any delinquent bills and lower your total credit-card debt. Debt reduction should start with the cards where you're closest to your credit limit. And make sure to make all future payments on time.