Dont Talk About It, Be About It!
What is a Credit Score?
Credit Bureau scores are often called "FICO scores," being that most credit bureau scores
in the United States are produced from software developed by Fair Isaac and Company
(FICO www.fairisaac.com). Fico Scores are provided to lenders by the major credit
reporting agencies. Credit scores provide a guide to future risk based solely on credit
report data. The higher the score, the lower the indicated risk. But a score does not
indicate whether a specific individual will be a "good" or "bad" customer.
While many lenders use credit scores to help them make lending decisions, each lender
has its own strategy, including the level of risk it finds acceptable for a given credit
product. There is no single "cutoff score" used by all lenders and there are many
additional factors that lenders use to determine your actual interest rates.
How Credit Scoring Works!
Credit Scoring is calculated by a mathematical equation that evaluates many types of
information that are in a consumer's credit file at that specific repository/bureau. By
comparing this information to the patterns in hundreds of thousands of past credit reports,
the score identifies the lender's level of future credit risk. In order for a credit score to be
calculated on a consumer's credit file, the file must contain at least one account, which has
been open for six months or longer. In addition, the file must contain at least one account
that has been updated in the past six months. This ensures that there is enough
information - and enough recent information - in the credit file on which to base a score.
What a Credit Score Considers.
| Payment history - 35% of the score's weight|
| Amounts owed - 30% of the score's weight|
| Length of Credit History - 15% of the score's weight|
| New Credit Inquiries - 10% of the score's weight|
| Types of Credit Used - 10% of the score's weight|
To get started today please go to my Get Started Now page, and lets get this ball rolling as
|time is of the essence in this situation!|
If you have any questions whatsoever, please do not hesitate to give me a call, however
the best way, due to my schedule is to email me at email@example.com, I will
respond to all email much more quickly!
Here to help you,
1 At the end of every seven years you must cancel debts. 2 This is how it is to be
done: Every creditor shall cancel the loan he has made to his fellow Israelite. He shall
not require payment from his fellow Israelite or brother, because the LORD's time for
canceling debts has been proclaimed.
Disclaimer: Please be aware that no guarantee is offered, nor should anyone offer a guarantee as it is not possible to
guarantee these services.
Please view Fair Credit Reporting Act.
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