maryland: FICO vs Vantage Credit Scores
- 09/23/22 07:25 AM
Why are “Credit Karma scores” so different than the scores you pull as a lender? Credit Karma uses Vantage scores and Lenders use FICO scores. Bottom line, they calculate the scores differently. Major Differences are Late payments over 2 years (not scored in Vantage), Medical collections (not scored in vantage), Collections under $100 (not scored in vantage ) Debt utilization is about 50% of the vantage credit score it is about 30% of the FICO credit score. Credit Karma is mainly used by credit card companies, it gives you a free credit score and credit report in exchange for information about your … (0 comments)
maryland: Movies at the National Harbor - Washington, DC Area! Best kept secret
- 08/24/12 02:11 AM
There are so many sites to see in the Washington, DC Area, the momument, White House, etc. We recently visited an event - Movies at the National Harbor. Too our surprise, it was like a little city all rolled into one. Everything we wanted to eat and buy was there. The best part was the outdoor movies on a big screen overlooking the Potomac. It is locally themed "Hollywood Meets the Potomac". For the month of August the theme is "Salute to the President - with great movies like "Air Force One" and "Chasing Liberty". With the movie staring at dusk, … (4 comments)
That is the Million Dollar Question. With Interest rates at their all time low, now is the time to get off the fence and Refinance.
And you don’t have to refinance just once. As rates keep dropping, you can refinance more than once. It all depends on whether you have the equity or money to do so, to get the lower payment. Also, you want to make sure you will be staying in your home for a period of time to recover the cost of the refinance.
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Why are “Credit Karma scores” so different than the scores you pull as a lender? Credit Karma uses Vantage scores and Lenders use FICO scores. Bottom line, they calculate the scores differently. Major Differences are Late payments over 2 years (not scored in Vantage), Medical collections (not scored in vantage), Collections under $100 (not scored in vantage ) Debt utilization is about 50% of the vantage credit score it is about 30% of the FICO credit score.
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