What Does Your Credit Score Tell You?

When you apply for a loan or a mortgage, the first thing the lender does is to check your credit score. Based on your credit score, the lender decides the amount of finance you are eligible for and the interest rate at which you will be charged. So what is this credit score and how does it influence your capacity to take fresh credit?

Your credit score is a number that reflects on the likelihood at which you will pay back a loan. Credit scores generally range between 300 and 800. In general, a score of above 620 is needed to avail of a loan at lower costs. If you have a low credit score, it would indicate high risk and would make it difficult for you to obtain fresh credit at reasonable costs.

So what goes into the calculation of your credit score? Credit scores do not take into consideration your income or how much savings you have. Instead, your credit score is primarily influenced by your current debt level, your credit history and how many times your credit report is pulled up by various agencies.

  • A high debt level would lower your scores considerably as it means that you are already financially burdened with many loans and would not have the capacity to take on fresh credit.

  • Your credit history would take into consideration your track record at paying past and present dues. Timely payment of such dues would ensure a higher credit score as compared with late payments.

  • The more frequently your credit report is pulled up by various agencies, more the points docked off your credit score. However, your checking of your own credit report will not affect your credit score as you are entitled to doing so.
To ensure you maintain a decent credit score it's most important that you pay all your bills in a timely and consistent manner and also that you not take more debt than you can handle. If you're able to do that, your credit score shouldn't be able to trouble you too much in life. Take care and be wise with your finances.

Sameer S Panjwani - Homes For Sale / Homes For Rent - Real Estate Listings

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Your credit rating / credit score is based upon how... Read More

Credit Score: The Brightest Feather In Your Financial Cap

Credit scores are the most important aspect that determines your... Read More

Winning The Credit Game!

Everywhere we go, the word credit can be found, shining... Read More

Free Credit Report ? A Website Typo Could Be Costly

In 2003, Congress passed the Fair and Accurate Credit Transactions... Read More

Your Credit Card May Be Costing More Than You Think!

Do you know what your credit card is truly costing... Read More

What is Credit Repair and How Can It Help You?

There are millions of consumer credit reports on file from... Read More

Choosing the Best Low Interest Credit Card

With so many low interest credit cards on offer, how... Read More

4 Steps You Can Take If Your Online Credit Card Application Has Been Refused

Help! I've Been Turned DownYou received an envelope in the... Read More

Can Credit Search Entries Affect Your Ability to get Approved for a New Loan in the UK?

About Search Entries:Every time a lender checks your credit history... Read More

Debit Card vs. Credit Card, What Are The Differences ?

Ah, the "good old days". If you are a baby... Read More

Why Your Credit Score is Important

Your credit score can either haunt you or reward you.... Read More

Dont Fall for Credit Repair Scams

We've all seen the ads on television or in magazines,... Read More

Credit Cards and How To Choose Them:

It may seem like a simple question but its important... Read More

Is it Safe to Use Online Car Finance?

Online car finance is convenient. You can apply over the... Read More

SuperCharged Secret 2, Credit Card Utopia

INTEREST BEWARE, THERE'S SAFETY IN NUMBERS!Note: The following is part... Read More

10 Ways To Boost Your Credit Score

1. Deleting Errors in 48 HoursThis is the absolute fastest... Read More

All About Balance Transfers

What is a balance transfer?A balance transfer can be explained... Read More

Bad Credit Loans For Those Who Seek Alternatives for New or Old Car

You can still save money on a Bad Credit Loan... Read More

Credit Repair Scam - How To Avoid Being A Statistic?

A good credit history is critically important for the consumer.... Read More

Credit Score ? for Scoring the Right Loan

Somebody once said, "There is always a way of knowing... Read More

Cash Advance ? How Does It Work?

If you want a cash advance or a payday/paycheck loan,... Read More

Common Credit Score Myths

A lot of credit score myths about fico score ratings... Read More

Useful Tips on Borrowing Money

Here are some useful tips on borrowing money. Borrowing money... Read More

Choosing The Credit Card That Is Right For You

Credit cards represent an important part of our financial lives.... Read More