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credit score: What Affects your Credit Report and Credit Score? - 09/08/11 01:51 PM
Today, having good credit is more important than ever. With lending regulations becoming tighter, it is usual for only those with good credit to be able to obtain home loans, auto loans, credit cards, or any other lines of credit they may be greatly in need of. Only those with excellent credit are able to obtain the most optimal interest rates, saving them money over the life of a loan.
Greatly in need of credit repair, or seeking to prevent the need for credit repair, many Americans are left wonder, “Just what affects my credit?” Since credit is comprised of both … (3 comments)
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credit score: Banks Behaving Badly and Your Credit Scores - 05/02/09 02:31 PM
"We are writing to advise you about a change being made to your account." This prologue is a part of letters being sent to millions of U.S consumers and sets an ominous tone for the remainder of the communication. The "change" being referred to is either your credit card account has been closed or the credit limit has been severely slashed. In this particular example, the credit limit was lowered on a Barclay's Bank credit card by $15,000.In normal economic times a credit card issuer would only take such adverse action against one of their cardholders if they've done something wrong, … (3 comments)
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credit score: New FICO Scores Abound, Three New Credit Scores Hit the Market this Month - 04/29/09 10:31 AM
New FICO Scores Abound, Three New Credit Scores Hit the Market this Month
1. The FICO Mortgage Score - This score is actually a variation of the FICO score currently available at Equifax, which is called BEACON. This new score, which comes at the request of players in the mortgage industry, is meant to give them a better understanding of credit risk posed by mortgage borrowers rather than just general credit risk across all different types of accounts. This new score is what's referred to in the credit scoring industry as an "Industry Option" score. The Industry Option score uses the … (8 comments)
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Matt Listro Your Credit Repair Expert
East Hartford,
CT
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National Credit Fixers - Matt Listro
Address: 330 Roberts Street, Suite 402, East Hartford, CT, 06108
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