The rates in most cases are for people with excellent credit score and not people with bad credit. (myfinancekits.com)
Banks offer loans at the best interests and terms but this is only for borrowers with excellent credit scores of 600 points or higher. (mortgagebrokerstore.com)
One common trait of consumers with an excellent credit score is that the average credit account has been open at least 10 years. (lendedu.com)