Sentences with phrase «as having an excellent credit score»

Miles and points are valuable but not as valuable as having an excellent credit score.

Miles and points are valuable but not as valuable as having an excellent credit score.

Not exact matches

However, if you do have an excellent credit score, you may want to consider a 0 % balance transfer credit card instead of a personal loan, as you can save money on interest.

If you have good to excellent personal credit, as reflected by a credit score between 680 and 850, we recommend considering a lender like SoFi, Earnest or LendingClub, as all of these companies have minimum APRs of well below 9 %.

Lenders such as SoFi and Earnest offer interest rates of below 6.00 %, while Avant requires a minimum credit score of 580, which can help if you don't have excellent credit.

Excellent credit scores have a mix of installment credit, such as a mortgage, and revolving credit, such as credit cards.

Mortgage rates valid as of date / time and assume borrower has excellent credit (including a credit score of 740 or higher).

While alternative lenders have higher APRs on average, you can still find reasonable terms if you have a good to excellent personal credit score — defined as any FICO score above 680.

As a rule of thumb, individuals with excellent credit have scores ranging between 725 - 850, good credit are those in the 650 - 724 range, and those with bad credit are those with scores below 600.

As a rule of thumb, people who have excellent credit score tend to pay less for their loans.

Lending Club stands out as one of the best peer - to - peer lending websites for borrowers who have excellent credit scores.

Unfortunately, those with low credit scores will have to pay higher interest rates than those with good or excellent credit, such as 35 % APR compared to 6 %.

Your credit score identifies you as having bad, fair, good or excellent credit.

Having an excellent credit score and no money for retirement is just as bad.

Refinance rates valid as of and assume borrower has excellent credit (including a credit score of 740 or higher).

If you have an excellent credit score, you may be able to qualify for APRs as low as 7.77 %.

To start, we're going to begin with a score of 680 — this is generally considered «good» credit, as is any score up to about 719; at 720 or above, you are generally considered to have «excellent» credit; 679 or less is «average» - or - below territory.

If you have an excellent credit score, that APR could be as low as 2.76 % right now, or it could be as high as 8 % or more.

And as we mentioned above that each card issuer has different criteria used to determine if you will be approved for their credit card, so having a credit score in a particular range is not a guarantee that you will be approved for the card or for the terms you applied for, so even with excellent credit history you are not a shoo - in.

As a side benefit, some people also enjoy a sense of pride when they have earned an excellent credit score.

If you have excellent credit, generally defined as a score of 750 or higher, you should have no trouble getting approved for a card.

On the flip side, some of these cards do not offer bonus rewards, they may have an annual fee, or the card issuer typically only considers individuals with good or excellent credit (keep in mind that your credit score as well as other factors are involved in determining if you qualify for a credit card).

Issuers have entered a new battle over consumers with good to excellent credit scores offering goodies such as aggressive purchase protection and warranty replacement.

While alternative lenders have higher APRs on average, you can still find reasonable terms if you have a good to excellent personal credit score — defined as any FICO score above 680.

If you had an excellent credit score of 780 or more prior to bankruptcy, your score may drop as much as 240 points and the bankruptcy will stay on your credit report for seven to 10 years.

Dear Hanna, One of the great things about having an excellent credit score is that for the most part you can just continue to manage your credit as you've always done, often without even giving it much thought.

But the company says you're a strong candidate for a loan if you or your co-signer has good or excellent credit, typically defined as a credit score of 690 or higher.

For your loan application to be approved, you need to have an excellent credit score as well as a good relationship with your loan officer.

As we've mentioned earlier, a credit card balance transfer is restricted to people with excellent credit scores and low debt - to - income ratios.

Single drivers in this state with a «good» credit score as well as a clean driving record will pay about $ 255 more for auto insurance than they would have if they had an «excellent» credit score.

Most people find it difficult to get a competitive loan for a large purchase, such as a home, new furniture or a car unless they have an excellent credit score.

Having a good to excellent credit score will come in handy throughout the rest of your life as you apply for apartments, look for credit cards, finance a home purchase, and even when you're applying for jobs.

People with excellent credit scores were twice as likely as those with poor scores to say they save for retirement and college, have an emergency savings account, and save for vacations.

Shortfalls from excellent credit, defined as a FICO score of 800, have become very expensive.

Mortgage rates valid as of date / time and assume borrower has excellent credit (including a credit score of 740 or higher).

If you've got an excellent credit score, there's a possibility that you might not focus as much on the interest rate on your card.

As a consumer, there are a lot of benefits to having an excellent credit score, including getting more access to credit cards that offer a great rewards program, a more competitive interest rate, and minimal annual fees.

They also serve as excellent tools to keep track of your credit report & scores as you try to improve your credit rating or correct errors found on your reports The quality, options and pricing vary with each monitoring service, but we've compiled ten of the major credit monitoring services available today.

The perks of having a good or excellent credit score typically mean lower interest rates and ability to qualify for excellent credit credit cards, or good credit credit cards as well as a home mortgage.

People with excellent credit scores are generally seen as the ideal borrower because they've proven over a long period of time with many different accounts that they can pay back their debt on time and in full.

If you have an average credit score and get approved for a new credit card, your credit limit may not be as high as cards offered to people with excellent credit, but you will find plenty of options with no annual fee, relatively reasonable interest rates and rewards.

Even with a less than excellent credit score, you may be able to qualify for a personal loan from Marcus, though, those that have recent, negative marks on their credit report, such as missed payments, will likely be rejected.

In the case of private loans,» borrowers with bad credit scores may have monthly payments that are 20 % to 40 % higher and pay two - thirds to 100 % more interest over the lifetime of the loan as borrowers with excellent credit scores.»

As long as you have a good or excellent credit score, you'll have more options in front of you when you're looking for the best credit cards (And you'll have better, lower cost optionsAs long as you have a good or excellent credit score, you'll have more options in front of you when you're looking for the best credit cards (And you'll have better, lower cost optionsas you have a good or excellent credit score, you'll have more options in front of you when you're looking for the best credit cards (And you'll have better, lower cost options.)

Consisting of FICO scores above 670 and VantageScores of 700 and up, consumers in the good - credit category won't see the same rates as their excellent - credit counterparts, but will still have a range of quality offers from which to choose.

However, assuming that her credit score is excellent, Paperno says the «worst - case impact would still be what I would call minimal — 10 - 15 points or so — which can be temporary as balances are reduced and / or the new card is added.»

To get these cards, you need excellent credit, which we've defined as a score of around 730 or more.

This card is ideal if you do not have excellent credit, and are looking for a low interest card, as you can qualify with good credit and either pay 12.99 %, 17.99 % or 22.99 % based on your credit score.

this card is ideal if you have an excellent credit score as there is no catch, if you have a excellent credit score you will enjoy the low interest rate as low as 7.99 %.

With credit scores between 670 and 739, good - credit consumers have nearly as many options as their excellent - credit counterparts, albeit often with lower credit limits.