730 Credit Score Is Good, But Not Excellent In 2015

(Updated for 2015) Is a 730 credit score good enough for the best credit cards, mortgage & auto loan rates? This is what you can expect with a 730 FICO.

Source: 730 Credit Score Is Good, But Not Excellent In 2015

I was helping a friend who leased a car and he said that his 701 score qualified for tier 1 credit.

This was interesting. I had helped other friends buy a car and some dealers have different standards of what scores are acceptable for tier 1 credit. For example Nissan dealers I read will accept a 620 score for Tier 1 credit, while Lexus wants a 720 for tier 1 credit. It makes sense. You would assume that people with more money would also have higher standards than a more affordable car.

What else was interesting is that there is apparently a tier 0 of credit. It seems to be at 740 or above. There are no official listing for the rate, but some 0% interest financing deals does seem to only be available on “approved credit”. So perhaps this is what retired people/famous people get deals with.

I wonder if credit is easier for people to get now than in the past? I remember growing up and how impossible it seemed to buy a car for my parents. Even though they rarely spent money, it was always difficult to get a car. It seems the car manufactures are making it easier to buy cars than they used to be. Or perhaps more people have cars because there are more used cars on the market than ever in the past. In the recession people held onto older cars and now the average age of a car is 11 years! Amazing isn’t it?

Is the Save As dialog box in Windows 7 not coming to the front anymore?

I had a friend who had this problem and we did the following trick below and it worked. Thanks Tylerg.

This is a fix that worked for others:
a)    Open registry, click Start, Type regedit and press enter.

b)    Locate the key:  HKEY_CURRENT_USER\Control Panel\Desktop

c)    On the right pane right click on the following key and select modify:

d)    ForegroundLockTimeoute)    Select Base as decimal and then type 0 (zero) in the value data box and click on Ok.

f)     Exit from registry and restart the computer.

This occurred after a Microsoft patch Tuesday update. Many times after patch Tuesday things go wrong and you have to fix them. It especially is bad if you use any registry edits or hacks to support unsupported software. Some companies ban registry fixes, while others don’t seem to care. I prefer the companies that ban them since it helps to standardize client configurations and makes it easier to support and troubleshoot in the future. Its very difficult when you have a team to start making untracked changes to software.

What else is interesting about this is that Windows requires so many regedit fixes for software. I am so glad that Apple doesn’t have this issue. Apple used to suffer from a similar problem with corrupt plist files, but rarely is that a problem anymore. I personally haven’t had to fix that for several years and hope that part of the Mac history is past.

Its difficult for businesses to support such rapidly changing software. Windows 10  promises to have updates, and from what I have seen, early adopters of Windows 10 are complaining about the constant updating. Of course bleeding edge people will put in more effort, but I have to wonder if this is just a sign of things to come. When Microsoft has the ability to update anytime, why wouldn’t they use this as frequently as possible to advance their own interests? There are many articles already that talk about how Microsoft is going to ban or possibility delete illegal or pirated software, and that it is spying on its users even when features are turned off. This is hopefully something that will change and their commitment to user privacy continues as their words have said.

I like the fact that software is proprietary and contained with one person to be responsible like Microsoft or Apple. As much as I like and use open source components for clients, at the end of the day you need support and security and right now proprietary is the way to go in my opinion. Open source is so vast and the lack of people with those skills are apparent. It was always the problem for Apple for corporate adoption is that they had a hard time finding people skilled in Mac support. Open source is no different. Now both mac and open source people are growing, but most IT people are Windows people for better or worse so that seems to be the main reason Windows is so popular. Its certainty not because of its merits, because clearly Open source and Mac are superior.