694 Credit Score: Is it Good or Bad?
Your score falls within the range of scores, from 670 to 739, which are considered Good. The average U.S. FICO® Score, 714, falls within the Good range. Lenders view consumers with scores in the good range as “acceptable” borrowers, and may offer them a variety of credit products, though not necessarily at the lowest-available interest rates.
21% of U.S. consumers’ FICO® Scores are in the Good range.
Approximately 9% of consumers with Good FICO® Scores are likely to become seriously delinquent in the future.
How to improve your 694 Credit Score
A FICO® Score of 694 provides access to a broad array of loans and credit card products, but increasing your score can increase your odds of approval for an even greater number, at more affordable lending terms.
Additionally, because a 694 FICO® Score is on the lower end of the Good range, you’ll probably want to manage your score carefully to prevent dropping into the more restrictive Fair credit score range (580 to 669).
40% of consumers have FICO® Scores lower than 694.
The best way to determine how to improve your credit score is to check your FICO® Score. Along with your score, you’ll receive information about ways you can boost your score, based on specific information in your credit file. You’ll find some good general score-improvement tips here.
Understand the benefits of a good credit score
A credit score in the good range may reflect a relatively short credit history marked by good credit management. It may also characterize a longer credit history with a few mistakes along the way, such as occasional late or missed payments, or a tendency toward relatively high credit usage rates.
Late payments (past due 30 days) appear in the credit reports of 33% of people with FICO® Scores of 694.
Lenders see people with scores like yours as solid business prospects.
Most lenders are willing to extend credit to borrowers with credit scores in the good range, although they may not offer their very best interest rates, and card issuers may not offer you their most compelling rewards and loyalty bonuses.
Staying the course with your Good credit history
Having a Good FICO® Score makes you pretty typical among American consumers. That’s certainly not a bad thing, but with some time and effort, you can increase your score into the Very Good range (740-799) or even the Exceptional range (800-850). Moving in that direction will require understanding of the behaviors that help grow your score, and those that hinder growth:
Late and missed payments are among the most significant influences on your credit score—and they aren’t good influences. Lenders want borrowers who pay their bills on time, and statisticians predict that people who have missed payments likelier to default (go 90 days past due without a payment) on debt than those who pay promptly.
If you have a history of making late payments (or missing them altogether), you’ll do your credit score a big solid by kicking that habit. More than one-third of your score (35%) is influenced by the presence (or absence) of late or missed payments.
Utilization rate, or usage rate, is a technical way of describing how close you are to “maxing out” your credit card accounts. You can measure utilization on an account-by-account basis by dividing each outstanding balance by the card’s spending limit, and then multiplying by 100 to get a percentage. Find your total utilization rate by adding up all the balances and dividing by the sum of all the spending limits:
| Balance | Spending limit | Utilization rate (%) | |
|---|---|---|---|
| MasterCard | $1,200 | $4,000 | 30% |
| VISA | $1,000 | $6,000 | 17% |
| American Express | $3,000 | $10,000 | 30% |
| Total | $5,200 | $20,000 | 26% |
Most experts agree that utilization rates in excess of 30%—on individual accounts and all accounts in total—will push credit scores downward.
The closer you get to “maxing out” any cards—that is, moving their utilization rates toward 100%—the more you hurt your credit score. Utilization is second only to making timely payments in terms of influence on your credit score; it contributes nearly one-third (30%) of your credit score.
It’s old but it’s good. All other factors being the same, the longer your credit history, the higher your credit score likely will be. That doesn’t help much if your recent credit history is bogged down by late payments or high utilization, and there’s little you can do about it if you’re a new borrower. But if you manage your credit carefully and keep up with your payments, your credit score will tend to increase over time. Age of credit history is responsible for as much as 15% of your credit score.
New credit activity typically has a short-term negative effect on your credit score. Any time you apply for new credit or take on additional debt, credit-scoring systems determine that you are greater risk of being able to pay your debts.
Credit scores typically dip a bit when that happens, but rebound within a few months as long as you keep up with your bills. Because of this factor, it’s a good idea to “rest” six months or so between applications for new credit—and to avoid opening new accounts in the months before you plan to apply for a major loan such as a mortgage or an auto loan. New-credit activity can contribute up to 10% of your overall credit score.
A variety of credit accounts promotes credit-score improvements. The FICO® credit scoring system tends to favor individuals with multiple credit accounts, including both revolving credit (accounts such as credit cards that enable you to borrow against a spending limit and make payments of varying amounts each month) and installment loans (e.g., car loans, mortgages and student loans, with set monthly payments and fixed payback periods). Credit mix accounts for about 10% of your credit score.
42% Individuals with a 694 FICO® Score have credit portfolios that include auto loan and 29% have a mortgage loan.
Public records such as bankruptcies do not appear in every credit report, so these entries cannot be compared to other score influences in percentage terms. If one or more is listed on your credit report, it can outweigh all other factors and severely lower your credit score. For example, a bankruptcy can stay on your credit report for 10 years, and may shut you out of access to many types of credit for much or all of that time.
How to build up your credit score
Your FICO® Score is solid, and you have reasonably good odds of qualifying for a wide variety of loans. But if you can improve your credit score and eventually reach the Very Good (740-799) or Exceptional (800-850) credit-score ranges, you may become eligible for better interest rates that can save you thousands of dollars in interest over the life of your loans. Here are few steps you can take to begin boosting your credit scores.
Check your FICO Score® regularly.
Tracking your FICO® Score can provide good feedback as you work to build up your score. Recognize that occasional dips in score are par for the course, and watch for steady upward progress as you maintain good credit habits. To automate the process, you may want to consider a credit-monitoring service. You also may want to look into an identity theft-protection service that can flag suspicious activity on your credit reports.
Avoid high credit utilization rates. High credit utilization, or debt usage. Try to keep your utilization across all your accounts below about 30% to avoid lowering your score.
Consumers with good credit scores have an average of 4.7 credit card accounts.
Seek a solid credit mix. No one should take on debt they don’t need, but prudent borrowing—in the form of revolving credit and installment loans—can promote good credit scores.
Pay your bills on time. You’ve heard it before, but there’s no better way to boost your credit score, so find a system that works for you and stick with it.
Automated tools such as smartphone reminders and automatic bill-payment services work for many, sticky notes and paper calendars, for others. After six months or so, you may find yourself remembering without help. (Keep the system going anyway, just in case.)
Learn more about your credit score
A 694 FICO® Score is Good, but by raising your score into the Very Good range, you could qualify for lower interest rates and better borrowing terms. A great way to get started is to get your free credit report from Experian and check your credit score to find out the specific factors that impact your score the most. Read more about score ranges and what a good credit score is.
FedEx Office – Hauppauge, NY – 694 Motor Pkwy 11788 – Print & Ship
START ONLINE PRINT ORDERCREATE SHIPPING LABEL
Get directions to FedEx Office Print & Ship Center at 694 Motor Pkwy Hauppauge, NY
In-store services
- Express drop off
- Ground drop off
- Hold Express package for pickup
- Hold Ground package for pickup
- Hold service offered on Saturday
- Packing services
- Packaging supplies
- International shipping
- QR code returns
- Passport photos, renewals & expediting
- Return shipping services
- Signs and banners
- Direct mail services
- Saturday service
- Sunday service
- Self-serve Ship and Go kiosk
org/Offer”>Get a shipping label
org/Offer”>Copy & print services
Printing a presentation? Shipping a gift? Need a new banner? At your local Hauppauge, NY FedEx Office you can copy, print, pack and ship. We can even hold your FedEx delivery for convenient pickup when you’re ready.
A FedEx customer uses the FedEx® Mobile app to track a package.
Ship and track on the go
Want to track, redirect, and sign for packages? Create labels, get alerts, and set delivery holds? The FedEx® Mobile app does all that and more.
Discover the app
A Ship & Go kiosk similar to those available at certain FedEx retail locations, including the location at 694 Motor Pkwy.
Self-service shipping in a snap
In a hurry? This location has an in-store Ship and Go kiosk. Use it to drop off prelabeled packages, print labels, scan QR codes, and print or email receipts. It’s quick and easy.
Two people looking at brochures and business cards at FedEx Office counter in Hauppauge located at 694 Motor Pkwy.
Copy and print services
Upload your documents online and pick them up at FedEx Office on 694 Motor Pkwy or print to any of our 2,000 locations. We offer self-service color copying, high-volume digital printing, presentations and postcards, to name a few.
View printing options
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Packing & shipping services
Get your packing supplies and let our shipping experts help you ship with FedEx. Our professionals can even help you pack specialty items, like luggage or golf clubs, and ship them with FedEx Express or FedEx Ground to meet you at your destination.
Find pack-and-ship solutions
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Computer access & wi-fi
Rent a computer with internet access or get online with free AT&T Wi-Fi access at FedEx Office in Hauppauge. Check email, browse the web, print copies or scan photos. All in one place.
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Photo printing & passport services
FedEx Office Print & Ship Centers also offer a full range of photo printing services that can help you make the most of your photos.
From photo posters and canvases to cards, invitations, photo printing, and passport photos, we’ve got it all.
Photo printing
Passport services
Offers & other services
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Get your important documents notarized anywhere, anytime.
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Start an application with FedEx Office online or in-store.
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FedEx Office Customer
Friday, June 9, 2023
5 out of 5Rating 5.0
AMA ing customer service
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FedEx Office Customer
Tuesday, June 6, 2023
5 out of 5Rating 5.
0When I walked into the store I was met immediately by Giovanni. I explained my situation and he walked me through the entire process. He was professional, pleasant and extremely helpful. He gets A+ for his customer service and for his excellent representation of FedEx. He made my day!
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FedEx Office Customer
Friday, June 2, 2023
5 out of 5Rating 5.0
Glad i chose FedEx
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FedEx Office Customer
Saturday, May 27, 2023
5 out of 5Rating 5.0
Wow what a responsive and helpful rep Geovanni.
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FedEx Office Customer
Monday, May 15, 2023
5 out of 5Rating 5.0
Sofia was very knowledgeable and helpful
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FedEx Office Customer
Monday, May 15, 2023
4 out of 5Rating 4.0
Store is great love the staff. The new manger is wonderful
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FedEx Office Customer
Wednesday, May 3, 2023
5 out of 5Rating 5.0
Tim and Jesse were awesome
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FedEx Office Customer
Wednesday, May 3, 2023
5 out of 5Rating 5.
0Tim and Jesse were absolutely great. Great team work.
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FedEx Office Customer
Wednesday, May 3, 2023
5 out of 5Rating 5.0
Efficient and easy to order and pick up
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FedEx Office Customer
Monday, May 1, 2023
5 out of 5Rating 5.0
Sofia was great
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FedEx Office Customer
Thursday, April 20, 2023
5 out of 5Rating 5.0
Geovanni helped me through the entire process of shipping my equipment. He took care of packaging my equipment right type of packaging box and made the whole shipping experience feel seamless.
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FedEx Office Customer
Thursday, April 13, 2023
5 out of 5Rating 5.0
cat was great
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FedEx Office Customer
Thursday, April 13, 2023
5 out of 5Rating 5.0
Very satisfied, Catherine was very helpful and provided a great service.
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FedEx Office Customer
Monday, April 10, 2023
5 out of 5Rating 5.0
Super friendly & quick service! Definitely would recommend to coworkers & friends!
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FedEx Office Customer
Saturday, April 8, 2023
5 out of 5Rating 5.
0Kerri actually opened another station seeing me next in line, then proceeded to process my many packages without hesitation and with knowledgeability of how to handle. All great qualities seeing how much we ship worldwide.
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FedEx Office Customer
Monday, April 3, 2023
5 out of 5Rating 5.0
Great over all experience picking up parts and items always great and wonderful customer experience
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FedEx Office Customer
Monday, April 3, 2023
5 out of 5Rating 5.0
Helped me with some packaging questions and swiftly help me purchase boxes
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FedEx Office Customer
Monday, April 3, 2023
5 out of 5Rating 5.0
Jesse is the best! He is very capable and helpful and polite and professional.
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FedEx Office Customer
Saturday, April 1, 2023
5 out of 5Rating 5.0
Was a great experience
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FedEx Office Customer
Wednesday, March 29, 2023
5 out of 5Rating 5.0
This was my first visit and Jesse was very helpful.
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Decree of the Government of the Russian Federation of 13.08.2013 N 694
(as amended on 07/05/2021)
“On the amount and procedure for the payment of benefits provided for in paragraphs 2 and 3 of Part 1 of Article 11 of the Federal Law “On Social Guarantees for Employees of Certain Federal Executive Bodies and Amendments to Certain Legislative Acts of the Russian Federation”
(together with the “Rules for the payment of a monthly allowance for the maintenance of children of employees of institutions and bodies of the penitentiary system, enforcement bodies of the Russian Federation, the federal fire service of the State Fire Service, authorities for controlling the circulation of narcotic drugs and psychotropic substances, customs authorities of the Russian Federation, who died (deceased) as a result of injury or other damage to health received in connection with the performance of official duties, or as a result of a disease acquired during the period of service in the indicated institutions, bodies and services, missing in the performance of official duties”, “Rules for the payment of an annual allowance for conducting summer recreational holidays for children of employees of institutions and bodies of the penitentiary system, enforcement bodies of the Russian Federation, the federal fire service of the State Fire Service, authorities for controlling the circulation of narcotic drugs and psychotropic substances, customs authorities of the Russian Federation who died (deceased) due to injury or other damage to health received in connection with the performance of official duties, or as a result of a disease received during the period of service in these institutions, bodies and services, missing in the performance of official duties”)
Decree of the Government of the Russian Federation of August 13, 2013 N 694
(as amended on 07/05/2021)
“On the amount and procedure for the payment of benefits provided for in paragraphs 2 and 3 of Part 1 of Article 11 of the Federal Law “On Social Guarantees for Employees of Certain Federal Bodies .
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- Rules for the payment of monthly allowances for the maintenance of children of employees of institutions and bodies of the penitentiary system, enforcement bodies of the Russian Federation, the federal fire service of the State Fire Service, bodies for controlling the circulation of narcotic drugs and psychotropic substances, customs authorities of the Russian Federation, who died (deceased) as a result of injury or other damage to health, received in connection with the performance of official duties, or as a result of a disease acquired while serving in these institutions, bodies and services, missing in the performance of official duties duties
- Rules for the payment of an annual allowance for summer recreational holidays for children of employees of institutions and bodies of the penitentiary system, enforcement bodies of the Russian Federation, the federal fire service of the State Fire Service, authorities for controlling the circulation of narcotic drugs and psychotropic substances, customs authorities of the Russian Federation, dead (deceased) as a result of injury or other damage to health received in connection with the performance of official duties, or as a result of a disease acquired while serving in these institutions, bodies and services, missing in the performance of official duties
Ordinance
PP-694-son 09/14/2007.
On approval of the Regulations on the procedure for providing housing for the military personnel of the armed forces of the Republic of Uzbekistan
Resolution
of the President of the Republic of Uzbekistan
ON APPROVAL OF THE REGULATIONS ON THE PROCEDURE FOR PROVIDING HOUSING FOR THE MILITARY ARMED FORCES OF THE REPUBLIC OF UZBEKISTAN
(paragraph 2 as amended by the Decree of the President of the Republic of Uzbekistan dated October 31, 2018 No. UP-5567 – National Legislation Database, October 31, 2018, No. 06/20/5567/0802)
President of the Republic of Uzbekistan I. KARIMOV
Tashkent,
September 14, 2007,
No. PP-694
Regulation
on the procedure for providing housing for military personnel of the Armed Forces of the Republic of Uzbekistan 900 17
* Family dormitories located on balance sheet of the Ministries of Defense, Internal Affairs, Emergency Situations and the National Security Service of the Republic of Uzbekistan in the period 2007-2015 will be reconstructed into apartments:
(paragraph 3 was supplemented by paragraphs two – the seventh resolution of the President of the Republic of Uzbekistan dated August 25, 2022 No.
PP-362 – National Legislation Database, August 25, 2022, No. 07/22/362/0779)
(paragraph 4 as amended Decree of the President of the Republic of Uzbekistan dated August 25, 2022 No. PP-362 – National Legislation Database, August 25, 2022, No. 07/22/362/0779)
(paragraph 15 as amended by the Decree of the President of the Republic of Uzbekistan dated August 25, 2022 No. PP-362 – National Database of Legislation, 25.08.2022, No. 07/22/362/0779)
(paragraph 24 as amended by the Decree of the President of the Republic of Uzbekistan dated August 25, 2022 No. PP-362 – National Legislation Database, 08/25/2022, No. 07/22/362/0779)
(paragraph 28 as amended by the Decree of the President of the Republic of Uzbekistan dated June 8, 2021 No. UP-6243 – National database of legislation, 06/09/2021, No. 06/21/6243/0540)
(paragraph 29 as amended by the Decree of the President of the Republic of Uzbekistan dated June 8, 2021 No. UP-6243 – National Legislation Database, 09.
06.2021, No. 06/21/6243/0540)
(paragraph 31 as amended by the Decree of the President of the Republic of Uzbekistan dated April 22, 2020 No. UP-5983 – National Legislation Database, 23.04.2020, No. 06/20 /5983/0490)
(Item 35 as amended by Decree of the President of the Republic of Uzbekistan dated April 30, 2021 No. UP-6218 – National Legislation Database, April 30, 2021, No. 06/21/6218/0398)
(Item 36 as amended by the Decree of the President of the Republic of Uzbekistan dated June 8, 2021 No. UP-6243 – National Legislation Database, 09.06.2021, No. 06/21/6243/0540)
(paragraph two of paragraph 37 as amended by Decree of the President of the Republic of Uzbekistan dated April 30, 2021 No. UP-6218 – National Legislation Database, 30.04.2021, No. 06 /21/6218/0398)
(paragraph three of clause 37 as amended by the Decree of the President of the Republic of Uzbekistan dated April 30, 2021 No. UP-6218 – National Legislation Database, 30.04.2021, No.
06/21/6218/0398)
(paragraph six of paragraph 37 is excluded by Decree of the President of the Republic of Uzbekistan dated June 8, 2021 No. UP-6243 – National Legislation Database, 0906/06/2021, No. 06/21/6243/0540)
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Statement of receipt |
Statement of delivery of housing ), details of the certificate of renting housing, when and by whom it was issued |
Signature of the commander of the military unit, date, seal. Signature of the head of KEO, date, stamp 9number of rooms |
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