While most people know that they have a "credit rating," not all know their scores or how these scores are calculated. If your mortgage application is refused or approved for less than expected, there's an opportunity for me to help people understand the causes and how to best improve the score. Credit scores range from 350 (low) to 850 (high), with 750 being the median. The numerical score is calculated on your previous payment history, your current indebtedness, your credit history length, number and frequency of new credit inquiries and, (2 comments)