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Understanding Fico Scores
Fico scores are the pivoting criteria in order for a lender or creditor to extend you some kind of loan or line of credit. No one really knows
the mathematical model to calculate this three digit number.
We do know that the following factors affect your fico scores:
accounts : The more the debt you have
also known as high income debt ratio, the higher
the risk you are and this lowers you Fico score.
Information : The most recent two years
of credit history are weighted higher than past
History : The longer the credit history
or account is established the better. Your employment
on your report also is a plus, the longer you
have been working at an employer the better.
Beware of open credit, open credit are those
accounts that are open with no debt and have
not been used for over one year. This may count
against you when applying for any credit. The
lender or creditor may say that you can theoretically
max out these accounts and higher you income
to debt ratio.
of credit : The fewer the credit accounts
open the better. Additionally, the less credit
inquiries the better the Fico scores. If there
are many credit inquiries or credit check the
lender may think you are trying to open numerous
and above Excellent A++
to 750 Very Good A+
to 680 Good A
to 680 Above Satisfactory B
to 580 Satisfactory B-
to 550 Below Satisfactory C
Credit Reporting Agencies