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A high credit score is more than a number to impress your golfing buddies or people at your office Christmas party. While you can brag about having an 800+ credit score to show off your financial acuity, a good credit rating does have a practical purpose. Lenders use your credit score to determine how responsible you are with money and whether you will pay your bills on time. An outstanding score means you can get the lowest interest rates on credit cards, auto loans, mortgages, or business loans. It could even get you better rates on your car insurance.

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Your credit score is a report card on how well you manage your money. This is no different than your report card when you were in school. When you do all your homework and do well on your exams, you get a good grade. The same thing happens with your credit score. When you pay your bills on time, you get rewarded with a high credit score. If you are constantly late with your bills, your credit score will suffer as a result.

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Here in our company we can give the expertise necessary to save your credit, relieve the uncertainly and most of all, HELP YOUR FAMILY! We will provide you with different options based on what you think is the best for you and your family. You have the options that you can use to resolve this matter, BUT TIME IS QUICKLY RUNNING OUT! Call us today and let us help you.

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Despite updated versions, the scoring models commonly used by lenders is FICO score 8 and VantageScore 3.0. A good history of on-time payments, your credit utilization ratio, and the length of your credit history are the top 3 factors that influence credit scores.

FICO Score 8

Payment history (35%)
Amounts owed (30%)
Length of credit history (15%)
Credit mix (10%)
New credit (10%)

VantageScore 3.0

Payment history (40%)
Age and type of credit (21%)
Credit utilization (20%)
Balances (11%)
Recent credit (5%)
Available credit (3%)

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You don’t have just one credit score but multiple types. First of all, you’ll usually have a different score at all of the three different consumer credit reporting companies: Experian , Equifax®, and TransUnion®. Then there is also your FICO® score and Vantage® score (the former being used more), along with the varying scoring models used by the different lenders and financial institutions.

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But why is a good credit score important? From taking out loans to even qualifying for an apartment rental or certain employment opportunities, your credit score is used to show the financial risk you pose.

Having a good credit score is important because it represents your trustworthiness and reliability when it comes to financial matters. Having a bad score will cause companies to view you as someone who’ll be unable to pay your bills on time, or potentially not at all.

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Buying a home can be challenging for a first-timer. After all, there are so many steps, tasks, and requirements, and you may be anxious about making an expensive mistake. But first-time homebuyers actually enjoy some special advantages created to encourage new entrants into the real estate market. To demystify the process so you get the most out of your purchase, here is a rundown of what you need to consider before you buy and what you can expect from the buying process itself, plus tips to make life easier after you buy your first home.

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A variety of factors are taken into consideration when calculating your credit score. The most popular criteria as utilized by FICO are:

A. Payment history: This makes up 35% of your credit score and is the most important factor influencing your score.

B. The amount owed: This makes up about 30% of your credit score.

C. Length of credit history: The longer this is, the better. It makes up about 15% of your credit score.

D. New credit history: The recent activity on your credit history, such as new accounts and inquiries account for approximately 10% of your credit score.

E. Types of Credit: The variety of the credit accounts you have make up the remaining 10% of your credit score.

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A credit score is a 3-digit number that credit bureaus (Equifax and TransUnion) provide to lenders and others who want to assess your creditworthiness. These include banks, mortgage lenders, insurance companies, utility providers, and in some cases, potential employers.

Your credit score can range from bad to excellent.

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Many people don’t want to pay collection agencies, perhaps because there’s no immediate benefit for paying off the debt—other than ending debt collection calls. However, before you decide to not pay off a debt in collection, make sure you know the consequences of ditching the outstanding balance.

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A Bad Credit means the person has a history of failing to pay their bills on time or owe too much money.
The person is considered to be likely to fail to make timely payments in the future and will find it harder to get a loan or obtain a credit card.

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