Thanks for the input - so I'm guessing "very low" is less than 600, 600-700 will get you marginal interest rate and 700+ will get you good rates?I'm hoping not to need private loans at all - but you never know!
I have no collections or anything like that. I have two late payments 4 years ago. I'm working to pay down credit card debt right now so my score will go up (the credit-to-debt ratio is keeping it down, or that's what I'm told). So nothing drastically derogatory anywhere.