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On Myfico.com, the company illustrates how a higher score can lead to better deals on a 30-year, $300,000, fixed-rate mortgage: FICO Score Monthly Payment 760-850 $1,716 700-759 $1,758 660-699 $1,813 620-659 $1,972 580-619 $2,482 500-579 $2,694 The median FICO score in the U.S. is 723. [...]once your score dips below 660 (about 30% the U.S. population falls into this group), you’re considered more of a credit risk so you’ll pay much higher interest rates. When it comes to credit scoring, older is better. [...]closing old cards reduces your total credit availability, which can raise your debt-to-credit ratio. “The number of Americans registered as independents is the highest it’s ever been, and the consequence of that is McCain and the Democratic [nominee] are going to run, in essence, in every state in the country.†Ruy Teixeira, a joint fellow at the Century foundation and American Progress, also believes that independent voters will be critical to both sides.