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The score above which a lender would accept a new application for credit, but below which the credit application would be denied, is known as the "score cutoff". Since the score cutoff varies by lender, it’s hard to say what a good FICO Score is outside the context of a particular lending decision.

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Alternative lending sites often have good deals – That’s the thought that came to René Clayton last year when she heard. such as the down payment on a home. Lending Club and Zopa offer loans only to those with minimum FICO credit scores of 640..

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