【實用財經app】What is a good credit score|最夯免費app

【實用財經app】What is a good credit score|最夯免費app

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What is a good credit score App - Check your Credit Free - See your Free Score Instantly.

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My Credit Score App gives you access to all of your financial information - mortgages, bank accounts, bills, loans, credit cards and, of course, your scores. Generally speaking, a credit score of 750 or higher is considered good — that is, lenders will consider you a lower risk of defaulting on a line of credit. While the cut-off line for "good" scores is subject to change, the higher your score is, the better your chances are to secure a loan or other line of credit at a desirable interest rate.

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If you are wondering, what is a good credit score, the answer can be as simple as a single number or more complicated. There are many credit scoring systems used in the United States. The Fair Isaac credit score scale or the FICO score is commonly used, but there are others.

Partly due to advertising on TV, radio and the internet, many people are now concerned about; what is a good credit score. For many years the credit score scale was something that only lenders and financial advisors were familiar with, but today consumers are more knowledgeable about credit. They want answers to questions like; what is a good credit score and what factors affect a credit score. Briefly, in this article we look at the credit score scale, from good to bad, the factors that are used to determine a credit score and some ways to improve credit scores.

You may already know that an individual's credit score is used by lenders to determine "creditworthiness". The lender is asking, "What is the likelihood that this person will repay this loan?" The original credit score scale was set up in the United States to prevent lenders from discriminating against a borrower because of factors such as race or marital status. If you ask a lender, "What is a good credit score?" The answer will depend on which credit score scale they are using. The FICO score is one of the most common, but an individual lender may use Beacon, Vantage or another credit score scale. In addition, each of the three major credit bureaus, Equifax, TransUnion and Experian, assigns a score to individuals with a credit record.

The FICO credit score scale runs from 300-850. If you are applying for a home mortgage and the lender uses the FICO credit score scale to determine creditworthiness, then his answer to; what is a good credit score, will be something like this. A person with a score of 760 and above will generally be eligible for the best interest rates and the lowest monthly payments. Other factors used to determine interest rates and eligibility include amount of down payment, income and income stability. Lenders assign higher interest rates to people with lower credit scores, smaller down payments and income instability. A number below 759 on the FICO credit score scale does not mean that the application will be rejected, only that the interest rate may be higher. A number below 600 on the credit score scale may be rejected. This person may not be considered creditworthy.

【免費財經App】What is a good credit score-APP點子

If you are able to have negative credit history removed from your credit reports, then you will improve your standing on a credit score scale. For more information What is good credit score App for Android.

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