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Credit Facts

 Shocking Facts About Your FICO Score!
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By twiGHH
In Credit Facts
Posted August 30, 2017

Shocking Facts About Your FICO Score!

Figures provided by FICO Inc. show that 25.5% of consumers (nearly 43.4 Million people) now have a credit score of 599 or below, marking them as poor risks for lenders...

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 How One More FICO Score Point Can Save You $11,000
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By twiGHH
In Credit Facts
Posted August 30, 2017

How One More FICO Score Point Can Save You $11,000

A customer with a 679 credit score recently walked away from buying a house because he could not get the best interest rate on a $100,000 mortgage. Had his score been 680...

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 How the Difference Between Good and Bad Credit Can Impact You
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By twiGHH
In Credit Facts
Posted August 30, 2017

How the Difference Between Good and Bad Credit Can Impact You

How does credit impact you? Here is a example: $150,000 mortgage with a 30 year fixed rate with 20% down. The difference between great credit and just getting approved credit:...

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 Correcting All Three Credit Reports is Important
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By twiGHH
In Credit Facts
Posted August 30, 2017

Correcting All Three Credit Reports is Important

Correcting and fixing all three credit reports is important because some lenders or business people purchase the three in one credit report that includes a credit score...

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 How Long Do Negative Accounts Remain on a Credit Report?
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By twiGHH
In Credit Facts
Posted August 30, 2017

How Long Do Negative Accounts Remain on a Credit Report?

How long do negative accounts stay on your credit report: Default on a loan = 7 years; Collection accounts, Repossession, Charge-offs, Medical bills = 7 years; Bankruptcy = 10 years...

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 Closing an Account
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By twiGHH
In Credit Facts
Posted August 30, 2017

Closing an Account

Closing an account you wish you never met doesn’t make it go away. A closed account will still show up on your credit report and be considered in computing the score...

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 Applying For Loans? Take Caution
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By twiGHH
In Credit Facts
Posted August 30, 2017

Applying For Loans? Take Caution

One very easy way to hurt your credit is by applying for loans. You want to AVOID large numbers of inquiries on your credit report, particularly if you have few accounts...

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 Consequences of Having Less Than Perfect Credit
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By twiGHH
In Credit Facts, Credit Repair Tips
Posted August 30, 2017

Consequences of Having Less Than Perfect Credit

Your credit score is a critical measure of your credit standing used by creditors who want a assessment of your risk potential as a borrower. The higher your score...

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