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Excellent Credit 2
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Excellent Credit 1 Excellent Credit 2 | Determining Credit scores poor fair good excellent |
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Are your credit scores poor fair good excellent? Does it matter? Well it does when you apply for credit. Whether it’s for a credit card a mortgage or a car loan, the lender is going to determine if you are a good candidate for lending money, based on your credit score. An excellent credit score? You can get that dream house. A poor credit score? You might have to beg for a high interest rate credit card. Credit scores of poor fair good excellent can also affect your life in the sense that this score can be taken into account in determining everything from getting a cell phone to being approved for insurance. In some cases employers view a candidate’s credit score to determine their reliability and credibility. Although the rating for credit card scores is poor fair good excellent, the score is often given a numerical number which is based on that person’s credit history. Lenders will not only determine if you’ll be accepted for certain loans, they’ll also determine what interest rate and credit limit to give based on your credit card score. It’s not impossible for a person with a poor credit score to obtain a loan or a credit card, but their interest rate and their loan terms will be much higher and stricter than a person with a good credit score. A credit card score of 560-619 is considered a poor score. A score of 620-674 is considered fair. A score of 675-719 is considered a good score. And a score of 720-850 is considered excellent. The credit card score is determined by your credit card history and your debt behavior. Credit card scores poor fair good excellent takes into consideration your loans, your present and past credit, any current open lines of credit, your payment history and any history of bad debt. FICO scores are the credit scores used by most lenders. There are three FICO scores, each from different credit card bureaus: Experiean, Equfax and TransUnion. Each of these credit bureaus keeps a credit file on you. The three scores are added together to determine if your credit scores are poor fair good or excellent. Your credit scores will change along with your credit history. It’s important to take the steps to improve your credit score so that you can qualify for better rates and maintain a good credit reputation. |
