"Over 700 is a good score," said Norm Phillips, VP of Lending at Selco Community Credit Union.
But Phillips said credit reports are not a crystal ball.
"There's a lot of information that's not in the credit score," he said. "For instance, it doesn't know what you're applying for, or what job you have or how much money you make."
Nicole Comstock from KVAL News looked into credit score dating for a story set to air on KVAL News on Wednesday, February 13, 2013.