what do scores of 615, 628, and 692 equal out to?

Answer 1

628....(the person that said 'add them up and divide them by three' doesn't know what she is talking about) The middle score of the three scores is the one used to determine your credit worthiness. A 628 is considered fair credit.
Also, those that said your scores are bad are wrong. Your scores are not great, but they are not considered bad. If your middle score slips under 620, then you are in the 'bad credit'. Good credit is over 660 and excellent credit is over 700.

Answer 2

add them all up and divide by three
645
A low fair/high poor average

To pay off debt, increase your credit score:
1) not all creditors report to credit companies
2) if you are paying on them at all, it doesnt look bad
3) most mortgagers understand/forgive a certain amount of medical and other bills
4) there is a HUGE difference in unsecured (credit card, hospital debt, etc) bills & secured (auto & home loans) debt.

to make sure your credit score keeps increasing
1) ALWAYS pay your mortgage (and any other set debts) on time
2) do not charge more than 1/3-1/2 of your available credit on credit cards
3) pay off your credit cards one at a time, starting with the one with the highest interest--then--when they are paid off--rotate through them to use to purchase gas and other necessities--go online immediately and pay for those purchases--
4) either take out a loan to pay off all of the outstandign debt OR set up payment schedules with all of teh companies and stick to them!!!

Answer 3

Please explain in more detail what you are looking for- your question is not even a question. If those are credit scores, they are not very good. They average at 645, and that is bad enough that you likely will not get good interest rates if you get any loans at all.

Answer 4

If they're golf scores, it equals out to "get some lessons".

Answer 5

Jennifer gave you some really good advice...