Your credit score is calculated based on the information in your credit report. Credit scores allow lenders to quickly make on-the-spot credit decisions based on a 3-digit number that sums up your credit worthiness. There are many credit scoring models in use today; all are designed to rate your likelihood to repay your debts. When you order your credit score, you will also receive an analysis of the factors affecting your score.
Your credit report is a snapshot of your credit at a particular moment in time. However, in reality that information is flowing in and out of your credit report all the time. Credit applications, home and auto loans, payments, an address change or even an inquiry from a prospective creditor all show up on your credit report - and affect your credit score.
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Credit history is the main determining factor of credit nowadays, but there are potential problems that can work against consumers. Since some credit reports can contain inaccuracies serious enough to cause consumers to be denied credit, a loan or even a job, keeping abreast of changes to your credit file is vitally important.
whats my credit score
Whats My Credit Score Copyright 2009 - 2011
Whats My Credit Score
Whats my credit score Those three little digits can have a major impact on your life! Your credit score is your financial reputation; your key to the best home money can buy or the reason you don't have a job. If you have bad credit, you will have problems finding an apartment to rent, much less a home to buy. You will search frantically for a car loan, only to be disheartened by large monthly payments due to sky-high interest rates. Whats my credit score Good credit is imperative nowadays. However, do you know exactly what goes into your credit score or even what a good credit rating is? There are several companies that calculate credit ratings with the FICO methodology. Whats my credit score If you are wondering, what is a good credit score, the answer can be as simple as a single number or more complicated. There are many credit scoring systems used in the United States. The Fair Isaac credit score scale or the FICO score is commonly used, but there are others.
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