pip (pÉªp ) Word forms: plural , 3rd person singular present tense pips , present participle pipping , past tense , past participle pipped. 1. countable noun. Pips are the small hard seeds in a fruit such as an apple, orange, or pear.
A credit score of 629 is not a very bad credit score, but it is not  a great credit score. A great score will be 700 and above.
It is not as much of a secret as a matter of unawareness. Most people while all have a credit score, good, bad or ugly, may not necessarily be in the know of this much sought after fact. Well, to unlock the mystery, the FICO score of 850 is the highest credit score any borrower can achieve. And oh what a score it is! 850 is the perfect credit score whose acquirer finds himself being in the middle of credit offers and being approved by lenders for all sorts of financing that he may apply for.