Many credit card providers are looking for good to
excellent credit scores before approving credit cards with low interest rates and great incentive offers.
One challenge many people encounter in being approved for a traditional loan is that banks and similar outlets tend to require
an excellent credit score before they'll even consider approving you for a personal loan.
Not exact matches
To that end, work to get your debt down to zero, or as low as possible
before applying for a mortgage, and keep your
credit score in
excellent standing, said Casey Fleming, a mortgage adviser since 1995 and author of The Loan Guide: How to Get the Best Possible Mortgage.
Lenders that do student loan refinancing look for borrowers with
excellent credit scores, good salaries and steady jobs, so make sure your
credit history is in great shape
before you apply.
Even though you don't have to have good or
excellent credit to get a loan from LendUp, your interest rate can still be dependent on your
credit score, so getting your
credit score it good shape
before applying is always a good idea.
Since CapWest is a prime lender, it requires borrowers to have good or
excellent credits in order to obtain a loan from CapWest (it's always a good idea to get your
credit scores from all three bureaus
before applying for a mortgage so you know whether you can get the best loan rates or not).
In the years
before the mortgage industry meltdown when it was relatively easy to get
credit, a
credit score of 700 was considered to be good to
excellent.
Rosenberg's
excellent credit habits — always pay balances on time and in full, check his report for errors, go on «
credit fasts»
before a major
credit application — plus the increase in the average age of his accounts have pushed his
score to 820.
So be sure your
credit score is in the good - to -
excellent range
before you try to get better terms.
Be aware
before you apply that if you've got
excellent credit, you'll likely be receiving the best pricing terms but with a more mediocre
credit score, you may end up with the standard terms.
Before you can have
excellent credit score, you must have good payment and
credit history.
You should not let the penalty prevent from repaying the mortgage
before time, as it is an
excellent way of improving one's
credit score.
Worse, if you had very good or
excellent credit before the foreclosure, the drop in your
credit score can be much more severe.
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I have a family and we are looking to buy our first home in the near future (within the next 2 years) and I want my
credit score to be considered «good» or even «
excellent»
before we even try to get a mortgage.
Building and maintaining an
excellent credit report and
score can open up the doors to the best
credit cards, lower interest rates on auto and home loans, and many employers even look at your
credit history
before offering you a job.
Now, I get to enjoy the best of both worlds:
excellent benefits from a portfolio of cards with great points and miles earning opportunities and a
credit score 90 points higher than
before I began to learn about points and miles.
Building and maintaining an
excellent credit report and
score can open up the doors to the best
credit cards, lower interest rates on auto and home loans, and many employers even look at your
credit history
before offering you a job.
That is why it is so important to first determine your
credit score — good — average or
excellent —
before you go out and apply for a home loan.