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Credit scores are some of the most confusing, yet essential components of personal finance.
The simple answer is that credit scores range from 300 to 850, with 850 being the highest and best score. There are plenty of reasons why this information is crucial: not only does a better credit score get you low interest rates on loans and credit cards, saving you thousands of dollars in interest payments, but you are also in a better position when it comes time to apply for a job.
Overall, the broad appeal of a good or excellent credit score is that you save money by qualifying for loans with favorable interest rates.
Here is a brief overview of the credit score scale and a percentage breakdown of the American population.
There are also other online resources to help you track your credit score, such as Credit Karma and Credit Sesame. Credit Karma offers access to 3 different scores – your TransUnion score, your Vantage Score, and the score auto insurance companies use. No one knows the exact algorithm or formula used by the bureaus to calculate credit scores, but the following factors are taken into account. 35% of your score is determined by your payment history on credit cards, loans, and lines of credit. 15% is based on the length of your credit history, usually taking into account the average time period all your accounts are open. As we mentioned previously, the credit score range is between 300 and 850, and generally speaking, most lenders will consider 720 a good credit score. 750 – 850: Excellent Credit – you should qualify for the best and lowest interest rates and most flexible terms and conditions. 700 – 750: Good Credit – you will qualify for one of the lower rates available and really shouldn’t have a problem getting any type of loan you want. 640 – 700: Average Credit – you may qualify for a loan or credit card, but not at the best interest rates. 580 – 640: Poor Credit – you will not qualify for loans or credit cards from all lenders, and may have a tough time getting approved. In return for your financial diligence and responsibility, you enjoy the lowest interest rates and the best repayment terms on everything from home loans to credit cards to auto loans. When it comes to employability, you will be seen as a dependable candidate for the job and insurance companies will favor you because you pose zero risk of insurance fraud or late payments. If your score is between 700 and 750, then you have a good credit history with possible minor issues that may not be your fault at all. Although you have displayed personal financial responsibility using multiple lines of credit, you’ll likely have to pay a little more when it comes to interest payments (in comparison to those with excellent credit). Lenders are more wary of those with fair credit because they pose a risk of late or slow payments (or default), and even if you do qualify, you may be asked to offer collateral, which is a tangible piece of property that can be seized if you default on your loan. With fair credit, jobs in the finance sector may be difficult to come by, and insurance carriers may charge higher premiums to cover the potential risk of nonpayment or insurance fraud. If you have a score of less than 500, consider starting with a secured credit card, which uses funds that you deposit upfront, like a debit card, except it can repair your credit score over time. Lastly, considering the recent housing crisis, most mortgage lenders won’t lend unless you have fair credit.
According to a recent report, the New York Knicks had internal discussions about a potential trade for Chicago Bulls point guard Derrick Rose. The Knicks project to have between $18 and $30 million in cap space entering the summer of 2016.


According to Ian Begley of ESPN New York, that cap space may decrease in a major way if the Knicks execute an internally discussed trade for Derrick Rose. The New York Knicks are looking to upgrade their backcourt, and one player on their radar is Chicago Bulls point guard Derrick Rose. The Knicks have had internal discussions recently about trading for Rose, league sources tell ESPN. Rose won the 2011 NBA MVP award, made the All-NBA First Team, and has three All-Star Game appearances on his resume. Unfortunately, a steady stream of injuries have kept Rose sidelined for a vast majority of the past five seasons. After appearing in 51 games for the Bulls in 2014-15, Rose was active for a solid 66 in 2015-16. The hurdle for the Knicks will be trading for a player who’s due $21,323,252 in 2016-17. This isn’t an imminent deal, nor should it be confused with something that Jackson and Steve Mills are ready to pull the trigger on.
In other words, the Knicks haven’t even called the Bulls in an attempt to gauge interest.
Nevertheless, it’s encouraging to see New York exploring its options to improve the roster. Reminiscent of our school days, consumers are basically “graded” on how well we manage our finances, ranging from Excellent to Poor, rather than A to F.
This is a statistics-driven evaluation of your credit accounts, debts, liens or other judgments on your record, history of payments (on time, late, nonpayment, etc.), and other credit-related information that the three credit bureaus take into consideration when it comes to calculating your credit score.
Many employers are interested in the credit worthiness and financial responsibility of their potential employees, so many businesses run background checks to determine the stability of your credit. Since lenders are adverse to taking on excessive risk without significant benefits in return, such as lending to someone with a poor history of paying back loans, the more comfortable they feel about lending money to you, the less interest they’ll charge. Thanks to the Fair and Accurate Credit Transactions Act (FACT Act), consumers are entitled to one free credit report from each of these bureaus once per year. Maxing out your credit cards has an adverse effect on your score, so always try to use less than 50% of your available credit. Companies that will work with you will charge very high interest rates or require significant collateral. The absolute best rates are given to those with scores over 770, but as long as you have 750 or higher, all lenders and banks will want to loan money to you.
You may have an excellent history of making payments on-time, but maybe your credit history isn’t as long, your credit mix is a bit skewed, or your debt-to-income ratio is high, causing you to use a large portion of your available credit. However, qualifying for one of the lower mortgage rates or a cheap auto loan should be no issue, and almost all credit card companies will approve you. Maybe your debt to income ratio is higher than average, or you have some late payments, collections accounts, bankruptcy, or liens on your record. This makes the lending and borrowing process equally risky for both parties, rather than shifting all the risk onto the lender. To alleviate the cycle of ever-increasing interest payments, be sure to pay your bills on time every month and never miss a payment. Qualifying for loans, credit cards, or lines of credit is remarkably difficult and if you manage to secure one, then the interest rates are going to be crippling. If you don’t want a secured credit card, live off of cash – don’t spend anything you don’t have in your wallet at the moment.


You could also make an appointment with a credit counselor to determine what steps you need to take to improve your credit score and get into a position where lenders and credit card companies would consider taking a risk on you. At the bare minimum, many banks won’t even lend unless you have a sizable down payment and good or excellent credit.
If you’re unhappy with your score, there are multiple ways to improve your credit, such as managing payments more effectively, offering collateral as down payment on loans, or using secured credit cards to rebuild your credit score. At the end of the accounting period (year, quarter, month), the balance sheet lists the company’s assets and the liabilities it owes. Whether it’s a realistic pursuit or not is a question unto itself, but team president Phil Jackson is doing his due diligence on the free agency, trade, and NBA Draft fronts. Arron Afflalo and Derrick Williams will determine the exact amount when they either accept or decline their respective player options.
He also led the Chicago Bulls to the 2011 Eastern Conference Finals, thus solidifying what was a statement year. He then played a total of 10 games in 2013-14, but has made a steady climb in appearances played over the past two years. Robin Lopez would likely be lost to make it work financially, and at least one draft pick would have to be included to pique the Bulls’ interest. There are a few legitimate ways to view your credit score online, but it helps to first know what to look for and what it all means.
Each of these bureaus have their own proprietary formulas, but home mortgage lenders, car loan officers, personal or business loan managers, and even insurance companies typically use your FICO score or the average score from all 3 credit report agencies. You probably pay your bills on time and have been doing so for a very long time, giving you an excellent and unmarred credit history. If you are interested in purchasing investment properties or buying a small business, excellent credit is what you need. The other possible cause could be that you’ve had a late payment or two in your past and it is slowly being faded out, but still has some affect, hence the lower credit score.
Finally, employers and insurance companies still love people with good credit, so you’re in a good place overall.
The point is: there have been a few bumps in the road where your credit history is concerned and while you probably still qualify for most mortgages, credit cards, and lines of credit, your interest rates will be significantly higher than if you had a good credit score. Slowly pay off any credit card debt, resolve issues with open collections, and do not take on additional debt for the foreseeable future to avoid increasing the use of your available credit.
Those in between the 570 to 639 range will probably still qualify for home loans, but if you’re below this mark (less than 570), you need to focus on improving your credit score before a lender will even consider extending you some funds.
So, if buying a home is an investment you’d like to make in the future, do everything you can to get that credit score out of the “poor” range. Once you work your way up to excellent or good credit, you’ll receive better interest rates, banks will feel much more comfortable lending to you, and investment opportunities may open up.
Chief editor and author at LERAblog, writing useful articles and HOW TOs on various topics. Particularly interested in topics such as Internet, advertising, SEO, web development and business.Do you like this post? For-Profit AccountingIf you are a recent accounting graduate or looking to change careers, you have a few decisions to make.



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26.03.2016 admin



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