Sentences with phrase «say having a good credit score»

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Once you can confidently say you have a good credit score and know the ins and outs of maintaining good credit, you might want to turn your attention to maximizing the other perks that some credit cards can offer.

Not exact matches

Say your spouse has a credit card with little or no balance and a great payment history; if he or she agrees to add you as an authorized user, from a credit score point of view you automatically benefit from her card's available credit as well as her payment history.

«If you have a good credit score, private mortgage insurance is going to likely be your best option if you're putting down less than 20 percent,» said Joe Parsons, branch manager for Caliber Home Loans in Dublin, California.

Having your loan tied to a part of your home's value usually results in lower interest rates, Drake says, but someone with a good income and a high credit score may be able to get a low rate on a personal loan or peer - to - peer loan.

Having said that, LendingClub offers loans to borrowers with fair or better credit scores that have a higher maximum loan amount, longer term lengths and monthly repayments.

According to FICO, there is no right or wrong number, but the closer you are to having a zero balance, the better for your credit score,» she says.

Well, I have to say that I don't see to many posts showing how to lower your credit score!!

With that being said, having a credit score above 620 is a good starting point.

As John Ulzheimer, a credit specialist and former manager at credit score provider Experian, said, «Just because the lien or judgment information has been removed and someone's score has improved doesn't mean they'll magically become a better credit risk.»

Essentially, they are saying the more varied types of credit you have (credit cards, mortgages, car loans, student loans etc.), the better your score will be.

Credit scores range from 300 to 850, and although any score over 700 is considered good by many lending standards, an 800 credit score says a lot about the way you manage credit — you pay your bills on time, you probably don't have a lot of debt, and you're kind of aCredit scores range from 300 to 850, and although any score over 700 is considered good by many lending standards, an 800 credit score says a lot about the way you manage credit — you pay your bills on time, you probably don't have a lot of debt, and you're kind of acredit score says a lot about the way you manage credit — you pay your bills on time, you probably don't have a lot of debt, and you're kind of acredit — you pay your bills on time, you probably don't have a lot of debt, and you're kind of a boss.

So, what you're saying is we looked back and somebody who got our card a year or two ago may very well have a credit score of 700, which is starting to get into a decent range.

Have been struggling with debt all my life, till i need to get a mortgage to save a roof over my head, i was in a bad place my lenders said, my score was in the 429 and 401 and i needed to be at least in 700 plus to be even considered.i went to different credit repair companies but they couldn't help me with the little timeframe i had, i told some friend at the group meeting i attend twice a week, a partner of mine introduced me to HACKHEMP at GMAIL dot com, in eight weeks, he was able to remove all my collections and hard inquires, in 10weeks my scores were 753 and 767, it was too good to be true till my lender checked and verified my loan.

«But the credit reporting agencies do a pretty good job with data accuracy considering the ridiculous volume of information that they manage, so I wouldn't not consider it [updating credit reporting and scoring] because of that,» said Ulzheimer, who is a Fair Credit Reporting Act consucredit reporting agencies do a pretty good job with data accuracy considering the ridiculous volume of information that they manage, so I wouldn't not consider it [updating credit reporting and scoring] because of that,» said Ulzheimer, who is a Fair Credit Reporting Act consucredit reporting and scoring] because of that,» said Ulzheimer, who is a Fair Credit Reporting Act consuCredit Reporting Act consultant.

Carrying very little balance, or better yet, no balance, says you have credit available, hardly ever use it, and can pay if off quickly — Which are all GOOD traits and result in good credit and better scoGOOD traits and result in good credit and better scogood credit and better scores.

However, even people who have not been using credit long can get a good FICO ® Score, depending on what their credit report says about their payment history and amounts owed.

I have also contacted [email protected] and my score was improved perfectly to 812 804 787, i am very happy now i can purchase a home soon, he is the best repairer that what i will say because i have contacted so many that have failed me but finally he saved me so get to him if you have any issue with your credit score too he is really good as they said about his work

«The biggest reason for cosigning is to help people get approved for a loan they don't qualify for on their own,» says Devin Hughes, director of business development at LendKey, «or to achieve a lower rate if the cosigner has a better credit score or financial history.»

With a revolving line of credit, if you have, say, a $ 1000 balance, you should keep the mount owed to under $ 300 to make sure that you maintain a good standing in your credit score.

People with credit score between 670 and 739 are said to have good credit score while 580 — 669 and 300 — 579 are fair and very poor credit score respectively.

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.

My score is 702, I have worked hard to improve it, and I saw that Credit Sesame said my odds were very good, and they were right.

«Even if the borrower could qualify for the loan without a cosigner, adding a cosigner might enable the borrower to get a better interest rate if the cosigner has a higher credit score than the borrower,» says David Levy, author and editor of Edvisors Network, a news and information hub about planning and paying for college.

That being said anything over a score of 780 indicates a history of good credit and will likely result in you having a high FICO score (used by 90 % of lenders) as well.

He says the average buyer today has an average credit score «well above 700.

On checking my credit score, I have a score that is probably better than I expected - I never miss payments or anything like that - but they say my credit utilisation is high and so on.

Walker knew she had to fix her credit score to qualify for better lines of credit and started researching how to do so, but she says, «I had no idea what my credit score was made up of prior to that.»

They say the longer you have your credit card, the better your score will be!

Ms. Devata, Ms. Crawford said earlier that she thought it would almost be better if employers actually have credit scores and then apparently make some decision based on the credit score.

«It's important to understand that if you have a FICO score above 760, you're going to be getting the best rates and opportunities,» says Anthony Sprauve, director of public relations at FICO, the analytics company whose credit scores are most often used to determine a borrower's reliability.

The good news is that despite the soft economy and more difficult credit market, most people have managed to keep their credit scores from cratering beneath them, says FICO's Sprauve.

FICO says people with the best scores tend to have an average credit utilization ratio of less than 6 percent, with three accounts carrying balances and less than $ 3,000 owed on revolving accounts.

There's also the negative effect a default can have on a person's credit score: Huynh says a person with a good credit history who stops paying their student loans could see their credit score drop by as much as 100 points.

Having said that, you should not assume that a good credit score is all you require to access credit, because other factors can also come into play.

I have also contacted [email protected] and my score was improved perfectly to 812 804 787, i am very happy now i can purchase a home soon, he is the best repairer that what i will say because i have contacted so many that have failed me but finally he saved me so get to him if you have any issue with your credit score too

My ex-boss, who has been working in the loans team for over a decade now actually messaged to shout at me, saying I should know better how it impacts my credit score.

You'll need to take on some debt («having no credit is as bad as having bad credit,» says Locker) and show that you know how to manage it well (see commandment # 4) in order to build up your credit history and earn a good credit score.

I have also contacted [email protected] and my score was improved perfectly to 812 804 787, i am very happy now i can purchase a home soon, he is the best repairer that what i will say because i have contacted so many that have failed me but finally he saved me so get to him if you have any issue with your credit score.

Thanks to who ever has referred [email protected] on this blog, i already contacted them, and they helped me fix my bad credit scores and also remove the medical bills and late payments, then increased my scores to 780, so get to the Email above for any credit repair service, they are really good as people has said about their services

Since an excellent credit score is typically considered anything over 740, I'd say we're doing quite well — and that's in spite of the fact that we have dozens of rewards cards across our personal profiles and three separate businesses.

Good luck getting a new credit card, study says — Consumers receive far fewer credit cards than a year ago; those approved for cards have better credit scores, says a study by credit bureau Equifax.

«One thing we've found is there are a lot of people who have decent credit scores and good, solid, well - paying jobs, but they can't get over that down payment hump,» says Eric Johnson, Marketing Specialist at CalHFA.

«There are certainly savings to be had if your credit score is good enough to qualify for a balance transfer credit card,» says Chris Dlugozima, an education specialist with the nonprofit GreenPath Financial Wellness.

Having said that, some card providers are known to offer promotions whereby the annual fee is waived for the first year and, when you combine that with the signing up bonuses (usually 30,000 — 50,000 miles), then these can be a good option for those with a healthy credit score.

Other times, it's a lack of credit history that prevents someone from having a good credit score, says Armand Goytia, a certified consumer credit counselor for Guidewell Financial Solutions in Catonsville, Maryland.

That being said, the average cardholder had a score over 650, and you'll still need a credit score in the 700 or better range to qualify for the lowest APRs and highest credit limits.

I Dan I recently applied for 2 Citi AA cards and was approved but right after i applied i realized that there was an offer for Citi Amex for 50k bonus miles so i applied for that one as well and was rejected, when i called reconsideration they said that i cant have 2 AA cards, even if its Visa and Amex, Now my credit score went down from 761 to 741 does that make sense, just for 2 pulls and one denial?

All I can say is this swap had better not impact my (excellent) credit score.