| Credit Score - Credit rating information, tips and advice from the largest collection of free credit score articles and content.
In the United States, a credit score is a number that is based on a statistical analysis of a person's credit report, and is used to represent the creditworthiness of that person—the likelihood that the person will pay his or her debts. A credit score is primarily based on credit report information, typically from the three major credit bureaus.
Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt. Using credit scores, lenders determine who qualifies for a loan, at what interest rate, and to what credit limits. The use of credit- or identity-scoring before authorizing access to or granting credit is an implementation of a trusted system. While the most widely known score in the United States is FICO (the most widely used in the mortgage industry), there are many others, such as NextGen, VantageScore, and the CE Score.
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| Showing 1 to 25 of 194 Articles in Credit Score. |
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1. All About Credit Scores
by David Green Jr
February 20, 2008
Your credit scores affect you more than you may think!When you are looking to purchase a home a good credit score can save you tons of money both initially as well as long term. Many lenders have reduced closing costs, lower down payments and lower interest rates for people with high credit scores. Folks with lower credit scores may have a hard time qualifying for a mortgage loan, are often only ...more...
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2. What type of Credit Report do I need to get a Mortgage?
by Mike Clover
February 5, 2008
mike@my720fico.com.
Best regards
Mike Clover
http://www.my720fico.com What type of Credit Report do I need to get a Mortgage?
We all know your credit report is very important in the
decision making process for loans. With the current
tightening up in the lending arena, one might ask yourself
what is required to buy a house in today's market? During
the last 7 years b ...more...
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3. What is the deal about Credit Reports?
by Mary Hector
February 10, 2008
Credit Report is a special type of report that contains all information about your credit history. The credit report contains information like your personal details as well as where you work and the history of your spending and bill paying habits. A credit report helps different organizations such as the credit card companies and financial institutions like banks to decide whether credit should ...more...
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4. Here Are 9 Ways To Improve Your Credit Score
by Dewey Kearney
February 7, 2008
The day in which we live is filled with people who want a quick fix for everything. Young people still in High School can’t wait to get a credit card so they can be in debt like their parents or all their friends. Being in debt seems to be a status symbol.
Then one day when the roof is about to collapse because of credit card debt or because they bought a sports car (convertible even) when ...more...
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5. Free Credit Report; is it necessary during today's times?
by Mike Clover
February 3, 2008
mike@my720fico.com.
Best regards
Mike Clover
http://www.my720fico.com Free Credit Report; is it necessary during today's times?
Credit Worthiness Free Credit Reports are plastered all over the place,
internet, TV, radio, and mail. The need to know is so
important these days because everyone wants to know your
credit. The current credit crunch that is taking place ismore...
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6. Common Credit Mistakes - That affect your Credit Score
by Mike Clover
February 1, 2008
mike@my720fico.com.
Best regards
Mike Clover
http://www.my720fico.com Common Credit Mistakes - That affect your Credit Score
Your Credit Score could be affected by little mistakes made
on your part. These mistakes are made all the time, and
most don't realize the impact on your credit report and
credit score. We have seen these common problems quite
often, even thoug ...more...
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7. ID Theft Basics - How to Protect yourself
by Mike Clover
January 31, 2008
mike@my720fico.com.
Best regards
Mike Clover
http://www.my720fico.com ID Theft Basics - How to Protect yourself
Current studies show that ID Theft is at epidemic
proportions. The Federal Trade Commission surveys estimated
that there are close to 9.9 million victims and growing by
2 to 3 million a year. For individuals that are not victims of identity theft, the
bes ...more...
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8. Credit Reports without Credit Scores are useless
by Mike Clover
January 26, 2008
mike@my720fico.com.
Best regards
Mike Clover
http://www.my720fico.com Credit Reports without Credit Scores are useless
Credit Reports with no Credit Scores are useless. Have you
got your credit report lately from
www.annualcreditreport.com ? If you did, it did not come
with your Credit Scores. Have you ever wondered if you
really needed to know your scores? In this a ...more...
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9. What Happened To My FICO Score?
by louie frias
January 19, 2008
How far can your credit score plummet when your credit card issuer withholds your credit limit in its reports to the three national bureaus? And how costly could that be when you apply for a home mortgage? The answer to both questions: A lot more than you might suspect. Let's say you have what is known in the mortgage industry as a "thin file" -- a relatively small number of banking accounts on ...more...
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10. First Time Home Buyers - Tips and FAQs
by Mike Clover
January 17, 2008
mike@my720fico.com.
Best regards
Mike Clover
http://www.my720fico.com First Time Home Buyers - Tips and FAQs
If you are a first time home buyer, you more than likely
don't know what the process is. Most first time home buyers
rely on a real estate agent to guide them a long. Here is
the advice and tips that will make your home buying
experience a good one. First St ...more...
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11. 6 Steps to Dispute Credit Report Errors
by Ian Henman
January 15, 2008
#1 Request Copies of your Current Credit Reports
Something all consumers should be doing at least once a year is keeping tabs on their credit history. How ever most of us don't do it unless we run into a problem. If you don't already have current copies visit AnnualCreditReport.com and request your credit report from all three credit reporting agencies.
#2 Contact the Credit Burea ...more...
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12. What is a Good Credit Score ?
by Mike Clover
January 13, 2008
mike@my720fico.com.
Best regards
Mike Clover
http://www.my720fico.com What is a Good Credit Score ?
Is 700 a Good Credit Score? This is a common question what
score is considered worthy of good rates and terms?
Typically Scores range between 300 and 780. There are
scores that get into the 800's but you typically don't get
that high unless you are in your 50's with l ...more...
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13. Lending institutions tightening up on Credit Score Requirements
by Mike Clover
January 10, 2008
mike@my720fico.com.
Best regards
Mike Clover
http://www.my720fico.com Lending institutions tightening up on Credit Score Requirements
Your credit score could make or break you in 2008. With all
the foreclosures and defaults on credit cards, banking
guidelines are getting tough. During the "Real Estate Boom"
just about anybody could get a loan. Mortgage companies
were ...more...
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14. Free Credit Score, why do I need to know it?
by Mike Clover
January 8, 2008
mike@my720fico.com.
Best regards
Mike Clover
http://www.my720fico.com Free Credit Score, why do I need to know it?
Free Credit Score is a must have these days. Since everyone
is looking at your credit score, shouldn't you know it?
Let's assume you are applying for a mortgage. When a lender
pulls your credit report, there are 3 Bureaus reporting 3
different scores. Th ...more...
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15. Raise your Credit Score with a little help from a Credit Repair ...
by Ian Henman
January 7, 2008
What are some of the most important pieces of information that exist about you? Your SSN, criminal record (hopefully you don't have one), credit card information, how about your credit report. This is one that often gets forgotten about, but your credit report is a very powerful document. Just because you don't keep it doesn't mean you shouldn't pay attention to it's health, and accuracy.
...more...
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16. Credit Report Dispute: How long does it take to remove?
by Mike Clover
January 5, 2008
mike@my720fico.com.
Best regards
Mike Clover
http://www.my720fico.com Credit Report Dispute: How long does it take to remove?
Credit Report Disputes can take up to 60 days to remove.
The 3 credit Bureaus don't make it easy to get items
removed. Make sure after you have got your Free Credit
Score Report and reviewed what is not correct you only
dispute once. Every tim ...more...
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17. Top 10 reasons to have your Free Credit Score Report.
by Mike Clover
January 1, 2008
mike@my720fico.com.
Best regards
Mike Clover
http://www.my720fico.com Top 10 reasons to have your Free Credit Score Report.
Your Free Credit Score Report is absolutely the most
important piece of mind you need to have these days. How
are you ever going to know what is being reported about you
if you don't have a current copy of your Free Credit Score
Report. Maybe yo ...more...
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18. Credit Cards messed up my Credit, why do I need them?
by Mike Clover
December 30, 2007
mike@my720fico.com.
Best regards
Mike Clover
http://www.my720fico.com Credit Cards messed up my Credit, why do I need them?
Credit Cards may have been the reason your credit got the
way it is. So you decided not to ever have a credit card
again. I know credit cards are evil, but they are a
necessary evil to establish credit. Let's assume you have
messed up your credi ...more...
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19. How Chapter 7 and Chapter 13 Bankruptcies will affect your Credi...
by Mike Clover
December 30, 2007
mike@my720fico.com.
Best regards
Mike Clover
http://www.my720fico.com How Chapter 7 and Chapter 13 Bankruptcies will affect your Credit Score.
Your Credit Score will be affected whether you file Chapter
7 or Chapter 13. But which is worse on your Credit? In this
article I will discuss the Pros and Cons in regards to how
each bankruptcy will affect your personal credit r ...more...
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20. How To Increase Your FICO Score
by Rebecca Ashby
December 20, 2007
Your FICO score is the measurement that the three credit rating agencies, Experian, Equifax and Trans Union use to determine your ability to qualify for a loan as well as the interest rate that you will pay for that loan. FICO scores range from three hundred to eight hundred and fifty; three hundred being the lowest or not credit worthy and eight hundred and fifty being the highest or most credit ...more...
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21. Credit Repair
by Mike Clover
December 19, 2007
mike@my720fico.com.
Best regards
Mike Clover
http://www.my720fico.com Credit Repair
You may have bad credit due to some irresponsible moves or
some unforeseen events in your life. Protecting your credit
score could prove to be very important to your future.
There are lots of ways to keep your credit good, but if
it's already looking pretty bad, consider some repairmore...
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22. Your Access To Free Credit Reports
by Mike Clover
December 9, 2007
mike@my720fico.com.
Best regards
Mike Clover
http://www.my720fico.com Your Access To Free Credit Reports
Free Credit Reports; have you wondered where to get one?
There are so many different web sites out there offering
this service, since it is so important these days to know
what's being reported about you. Everyone knows you can go
once a year to annualcredit repor ...more...
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23. Fix Bad Credit Fast
by Joseph Weber
December 8, 2007
Are you harassed by your creditors and debt collectors calling you everyday? Have you ever experienced a job you were going for tell you that they can't hire you because you have credit problems? Have you been served with court papers threatening to sue? Do you want to fix bad credit fast?
If you've answered yes to any of these questions, then listen up. I have been in your situation and k ...more...
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24. Avoiding Credit Repair Scams
by Joseph Weber
December 8, 2007
Credit repair can be a very daunting task, especially if you don't even know how you got in the situation of bad credit in the first place. It's bad enough that you have bad credit, then you seek some relief and realize that you are being taken for a ride. There are so many scams online and the internet makes it very easy for someone to be taken advantage of. Here are some helpful tips for avoidin ...more...
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25. Seasoned Tradelines
by Joseph Weber
December 8, 2007
Credit repair is something that is very easy to do if you have some basic knowledge on what to do. If you have or had bad credit, you know that the letter writing game is very important. Keeping very good records is also part of the process, because if you get real good at fighting with your creditors and collection agencies, they will actually be paying you because they keep horrible records and ...more...
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