Fico Credit Score: Your Key To Great Credit - Kobe 7 Christmas

>As stated, FICO scores range between 300 and 850 Lebron 9 China

. Here is what this means to you:.

. Score over 750: Excellent rating. You will obtain credit easily Jeremy Lin Hyperfuse High Tops... Score 720 or more: Good rating: You will get credit fairly easily.

.. Score 660 to 720: Acceptable rating: You can get loans Lebron 9. You may pay a higher interest rate.

.. 620 to 660: Borderline rating: You will make lenders a little hesitant about trusting you Nike SB Eric Koston... Under 620: Poor rating.

You are high risk and may need a co-signer to get credit.You also need to know that FICO scores are generally calculated (by percentage) by looking at your performance in five general credit categories:1. Your repayment history is 35% of the scoring.2. The amounts you owe account for 30%.3. How long, in years, you have had credit is about 15%.4. How much credit you have applied for and secured is another 10%.5. The type of credit such as: credit cards, store cards, personal loans, etc. is 10%.Basically, your FICO credit score is a condensed view of your credit use. Think of it as a judgment of your creditworthiness over the prior seven years of your borrowing and repayment history. Make no mistake, the large majority of financial sources based acceptance or rejection almost entirely on your credit score. This is your Report Card, if you will, of your performance in personal finance.While you can get a free annual credit report, your FICO score comes at a price. If you want to find out your FICO credit rating, you will have to pay for it. You can get it from each of the three major credit reporting companies: Equifax, Experian, and TransUnion. But, there is something you will soon find out. Each bureau has its own version of your FICO scoring based on the credit history they have on file for you. Each report will be a little different so you should get all three.Now, their charge is not exhorbitant, usually only $15 or $20 for each. So, if you are serious about correcting your FICO credit score, it will be well worth the small investment to get all three scores with your credit reports. This way you can see what factors need to be corrected in order to fix your credit history and get a higher FICO score. There is an easier and less costly way to get all three scores. Field, Isaac Company has the only website offering all 3 of your FICO scores in one place for one fee. Or, you can also go to MyFico.com and get your FICO scores directly from them. They will offer you a free 30 day trial membership which will get your credit scores upon signup and then, if you wish to continue the membership, it will update the score as it fluctuates up or down.



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