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Too-Many: As much sense as “too few” makes, many would think that too many credit profiles is just the credit reporting agencies messing with you. Inquiries: If you have made too many credit inquires in the last 12 months that could negatively impact your credit score. Hlooo One of the myths about debt consolidation services is that everyone with debt qualifies. This is probably one of the best and most useful finds on the Net (doesn't compare to the occasional free Carfax checks) I've always been curious of what my CS (credit score) really is, even though I always get the word of mouth from the bank and mortgage lenders. Most lenders consider people with FICO scores of at least 760 to be prime borrowers, and generally charge them interest rates that are low. But if having 800 or above credit score is your desire, two fast ways to boost your FICO score are to spend less on your credit cards and to pay off card balances.
For some consumers building a strong credit history and demonstrating an ability to manage different types of debt—such as credit cards, car loans and mortgages may take some months or even years. Credit scores can change daily, depending on the number of creditors you have reporting to the credit bureaus and the information being reported. Paying more than the minimum not only helps you get rid of debt faster, you also put more money in your pockets by paying off debt sooner. Credit card companies and banks may negotiate a payment plan if you get behind on payments. Using 10% or less of your available credit limit will help you obtain a higher credit score.
Consumers should also avoid carrying a balance, even if it is small on every credit card in their wallet. The best credit scores usually come from a variety of credit accounts including a mortgage loan, auto loan, major credit cards and a few store credit cards or a gas card. Legal Disclaimer:The articles and information provided herein are for informational purposes only and are not intended as a substitute for professional advice. Why NOT take advantage of the law and get a grip on your financial situation, especially if you are looking into a home mortgage? The law says you can request a free report once every 12 months from each of the three national credit reporting companies – Equifax, Experian, and TransUnion. However, there are a lot of web sites out there that offer you a free report, and they wind up charging you money. Once you receive a free report from a credit reporting company, you must wait one year before asking that company for another free report. And if a criminal steals your identity to charge items under your name, a credit report is one of the best ways to spot the problem and fix it. Read your entire report carefully, line by line, to see if all of the information about you is correct and up-to-date. The National Consumer Law Center recommends sending your requests to the credit reporting company in writing, rather than just calling the company or relying on the company’s web site. For detailed, step-by-step instructions on how to fix mistakes on your credit report, read this free guide from the Federal Trade Commission here. Besides looking for mistakes in your credit report, you need to check it for accounts that you don’t recognize.
If you want to monitor your score and your have some nifty tools for credit simulation, check out CreditKarma !
A lot of people — lenders, bankers, insurers, landlords, and others — may look at your credit score to decide how reliable you are to when it comes to managing money and paying debts.
If you’re denied credit because of a low score, the law says you must receive a free copy of that score. Stay on top of your financial future and know all there is to know about your credit history!

Our bank denied us for a mortgage loan & one week later we talked to Brian at Halo Capital, who not only gave us hope, but walked us through the entire process and got us a lower rate than the bank could have!
Have and still work with Halo Capital helping clients and myself access more money faster in creative ways that could not be accomplished without his industry insight and expertise. I have worked with Halo for about a year now and they always conduct business with the utmost integrity and professionalism. I cannot do anything with my mortgage at this time, but the people I spoke with told me why, and then told me what I need to do to benefit my situation moving forward. So you can see that getting to a score in the mid 600’s might enable you to qualify for credit, but a score of 680 or above is the threshold for “good” credit. From the moment you sit down with Brad for your free consultation, you will see that we are a different kind of law firm. Illinois Bankruptcy Blog covers all of bankruptcy - Chapter 7, Chapter 13, means test, what does bankruptcy cost, qualifying for bankruptcy and more. However it is true that if you have too few credit accounts that can negatively impact your credit score.
But if you have too many credit accounts on which you are carrying balances that can be a problem as well. Even though you might want the free whatever they are giving away for applying you should remember your credit score. This is the reason you should be looking at your credit report at least once a year if not more.
According to FICO, the most widely used credit scores among lenders, consumers with high credit scores have increased.
There is probably not much more value for having 800 or above credit scores besides bragging rights. Review your credit report for accuracy, making sure there are no mistakes. Big credit score killers are late payments, collection accounts, charge-offs, bankruptcies, judgments and under-reported credit limits. If you are in the market for an auto or mortgage loan it is especially important to monitor your credit score before you apply to eliminate any surprises.
Paying more than the minimum will especially help improve your credit score if you are maxed out or close to your credit limit. There usually has to be an acceptable hardship that has occurred such as loss of income or illness. Reducing your credit card balances to 10% or less of your credit limits will have an immediate positive effect on your credit scores. If you want a real boost in credit scores, reduce your account balance to 7% or less of your available credit limit. For example, if you have 5 credit card accounts at least 3 of those cards should have a zero balance.
The types of credit you have have (credit mix) accounts for 10% of your over all credit score. You may have to start with a credit card designed to help build credit or perhaps even a retail credit card. However, whether or not we are compensated does not determine which products we mention or result in preferential treatment in our editorial pieces. My rate was better than I expected and I learned a TON of stuff about the industry just from speaking to you guys – you cannot find a more honest and up-front people to work with. You still won’t get the best interest rates, but borrowers with scores over 620 are considered less risky and are therefore likely to be approved.
Borrowers in this range will almost always be approved for a loan, and be offered very good interest rates. From the mid 700’s and higher is considered excellent credit, and credit approvals will be quick and easy and at the very best interest rates.
You may have a high credit score, but a negative public record on your credit file may hurt your chances of getting a loan.

And if you can get your score up to the mid 700’s, your credit will be considered excellent, and you will have few worries when it comes to qualifying for credit at favorable rates. If you have been carrying extremely high debt, have been in extreme default, or have declared bankruptcy, these of course will have adverse impact on your score. You are not going to get an accurate credit read of your credit worthiness if you can’t prove that you are a “safe” credit risk. If you do pay off and call to close a credit account you should ask for written confirmation from the company that they have in fact closed your account. If you have accounts which say things like “delinquent” or “unknown” that is really bad and worse.
The consumers with higher credit scores have cut spending and paid down debt while consumers with lower credit scores are experiencing economic difficulties such as foreclosures or loss of employment.
Dispute negative credit information, inaccurate or outdated information and always request deletions. If your credit score is low, the decrease in points will not be as much; but nevertheless, any points your credit score suffers due to late payments is significant. Reducing your debt load on revolving accounts (credit cards) is probably the most important action you can take, besides making on-time payments, to boost your credit scores. When a bank or lender extends an installment loan such as a personal or auto loan it can do wonders for your credit score. Credit Unions often offer credit builder loans which report to the 3 major credit bureaus. This does not mean you should make a major purchase such as an auto loan just to get a good credit mix.
If you can afford the payments get a personal loan to help re-establish your credit history. Closing older accounts could cause your credit history to appear shorter and could harm your credit score. At this credit score, lenders are comfortable with the borrower, and the decision to extend credit is much easier. And remember, while credit scores don’t take your income into account, lenders will, and if they feel you simply can’t afford the loan you’re applying for, they won’t approve you no matter how good your score.
We won’t be looking at the clock and we won’t be using scare tactics to get you to retain us.
Here are a few of the lesser-known things which could be impacting your overall credit score.
In a couple of months you should get a copy of your credit report just to be sure that this has been tended to. If you are late paying begin paying on time immediately and your credit score will recover within several months. If you fall behind request more time to make payments or request a revised payment structure or even ask about rehabilitating a delinquent account. The FICO scoring system likes to see as much space as possible between your balance and your credit limit.
Paying the new credit on time and responsibly managing the new credit will raise your credit scores in a matter of months. It is better to keep the account open and not use it or just use it from time to time with very small purchases. In this range it is worthwhile to address any specific credit problems you have and try to boost your score before applying for credit.

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