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Boulder/Superior RE Trends: Credit and Interest
How can you improve your FICO score?
To improve one's credit score, it's critical to understand the factors influencing a credit score.  The factors that contribute to a FICO score and the weighted percentages for each are as follows:
35% - timeliness of payments 30% - the ratio of used debt to allowable debt for consumer credit 15% - length of credit history (the more credit history and showing proof of consistent timely payment, the better the score) 10% - types of credit used  10% - recent credit inquiries and recent new credit The greatest driver behind a score is making timely payments on all accounts.  Scores will be adversely affected for any payment that is 30 days late or more.  Being late on a mortgage payment will not only crush one's score, but will also make qualifying for a new home loan extremely challenging.  Collections and past due accounts are obviously bad; however, paying off old collections can actually hurt FICOs in the short term.  Many collections report from years past.  If that collection is paid off, the account activity date is brought current, which could initially drive down the score. 
A common misconception is that having one's credit pulled ... more

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