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When evaluating a new relationship that involves collecting payments, getting the person's credit report is never a bad idea. At the same time, this information will only be useful to the extent that you understand how to read it.

A personal credit report can be WILDLY confusing to the untrained eye. If you're trying to analyze a credit report (whether it be your own or someone else you're planning to work with), my goal is to shorten your learning curve and help you understand what's happening.

How Do You Interpret a Credit Score?
Here's a quick rundown of how I assess credit scores:

800 – 850 – Excellent! It's not often that credit scores come in this high. If you see anyone north of 800, it's a good sign they've been doing something right.
700 – 800 – Good! When someone's credit score is in this range, their financial situation isn't necessarily perfect, but it's still in great shape.
650 – 700 – Pretty Good. However, there may be a few “dings” against their credit that are worth investigating.
600 – 650 – Meh… this applicant probably has some questions to answer (and some convincing to do). Keep a close eye on any red flags in their credit report. Figure out what has caused their score to be less-than-stellar and why.
Less than 600 – Poor. There are most likely some significant issues you need to be aware of. Be very careful when you score in the range.

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