All about how FICO calculates your credit score along with some tips to building a good one.
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< iframe size="425" height="355" src="https://www.youtube.com/embed/nL1GrSRqcZM?rel=0" frameborder="0" allowfullscreen > Tabulation: 03:33 – Down Payment Support Programs 04:40 – Minimum Deposit Needed 04:57 – Minimum Credit rating Required 05:40 – Buying With A Previous BK, Brief Sale or Repossession http://www.SellHomeSacramento.com Your Residence Offered Surefire or I’ll sell it absolutely free! Call Eddie now at 916-458-2031 and Start Packaging!
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Back in the late 1950’s, a company named Fair Isaac came up with a way to assign a number to consumers that would reflect their credit worthiness which we know today as the credit rating. It is a three digit number that tells prospective lenders if you are a good credit risk or a bad credit risk. Your credit rating makes the difference between whether or not you can get a line of credit or a loan.
The credit rating is a snapshot of everything you’ve ever done regarding the use of credit and your payment history. Fair Isaac Company (FICO) compiles all of this information and then applies a complicated mathematical formula that calculates your credit rating. The formula is not public knowledge and this is done with the blessing of the Federal Trade Commission.
Today, the average credit rating across America is 720 and if your credit rating is above this you will be considered credit worthy. This results in you having more chance of being given credit or a loan. However, there are many Americans who don’t have such a high credit rating and theirs will drop below 630. This will mean that they may be refused credit or a loan agreement, or they may have to pay far more increased credit terms.
Now lenders often know that things happen in life that can’t be avoided. If your low credit rating is due to excessive medical bills or life-altering events that reflect poorly on your credit report, you may be able to talk with them and provide documentation and still get approved. That’s why it’s important to monitor your credit report and attach notes to explain anything that reflects poorly against you.
You will also need to consider that keeping your credit rating as high as possible should be a goal of yours. You will need to understand that this will include paying your bills when they’re due, not overspending, not having a lot of credit card debt, and not spending like there’s no tomorrow using credit. It is also advisable to check your credit report at least every year to make sure there are no mistakes and that if there are any errors you will be able to correct them to bring your scores down.
You may be one of the individuals who doesn’t like the idea of companies holding financial information on you and your financial history coming down to a three digit number. But, the industry who rule the credit and financial world want information on you so that they can decide if you are worthy of credit. If you are in the position to be looking to take out a mortgage for a home or a loan for a car, then you will need to have a reasonably good credit rating that is at least 675. You will need to consider though that this is a figure to attain to and pass on your way to financial credit rating excellence.
You should consider all of the different steps and precautions you need to take that will help you build up your credit rating to be 750 or more, which you should be looking to achieve over the next year or so, just in case you want to take out credit.
Ray is a keen adviser over how to build up my credit rating and help people realise that they are able to control how they are perceived. Also, he is passionate about the changing elements that go into a increasing my credit rating , as people search for more favorable terms for their financial agreements.
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The new Discover it® Secured Credit Card is here! And it can help you build or rebuild credit with responsible use, all with cash rewards on every purchase.
The Discover it Secured Card is a real credit card, not a prepaid or debit card. So using it helps build a credit history with the three major credit bureaus. Generally, prepaid cards and debit cards can’t do that.
It’s easy to get started. Just apply and provide a security deposit. Your credit line will equal your deposit amount, up to the amount we can approve. Then use your card, pay on time each month and enjoy all your Discover it benefits.
Today’s question is: Will I Build Credit Faster With A Secured Credit Card?
Learn more about Secured cards here: https://www.creditcardinsider.com/credit-cards/secured/
Credit cards come in different types – rewards, business, travel, secured, gas, and more. But do these cards affect your credit differently?
It turns out that the type of card won’t matter for your credit – however, the credit limit probably will, and these cards come with very different credit limits.
Every week, John Ulzheimer answers YOUR credit questions. Email us, give us a call, or ask on live chat, and we may answer your question on YouTube!
To learn about credit scores, credit reports, managing debt, and how credit cards work, check out our learn section at https://www.creditcardinsider.com/learn/
If you’re looking for a credit card, start your search at https://www.creditcardinsider.com/credit-cards/
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Today we look at secured credit cards and how they can help you build your credit score. Asking the question: Which one is right for you?
SEE LINKS FOR CARDS BELOW:
Capital One Card: http://captl1.co/2gwSTyE
Discover It Card: http://discvr.co/2gmLv5n
Open Sky Card: http://bit.ly/1TSHhBR
TD Bank Card: Apply in branch or over the phone.