What is Credit Scoring?

Have you ever wondered what is credit scoring? Credit scoring is a system creditors use to help determine whether or not to give you credit.

How does a creditor decide whether or not to grant you credit? Creditors use credit scoring systems to determine if you'd be a good risk for credit cards and auto loans. More recently, credit scoring has been used to help creditors evaluate your ability to repay home mortgage loans.

Information about you and your credit experiences, such as your bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, and the age of your accounts, is collected from your credit application and your credit report.

Using a statistical program, creditors compare this information to the credit performance of consumers with similar profiles. A credit scoring system awards points for each factor that helps predict who is most likely to repay a debt. A total number of points (a credit score) helps predict how creditworthy you are, that is, how likely it is that you will repay a loan and make the payments when due.

Credit scoring is used because it is based on real data and statistics, so it usually is more reliable than subjective or judgmental methods. It treats all applicants objectively. Judgmental methods typically rely on criteria that are not systematically tested and can vary when applied by different individuals. Although you may think such a system is arbitrary or impersonal, it can help make decisions faster, more accurately, and more impartially than individuals when it is properly designed.

A significant factor in determining your credit score is your payment history. It is likely that your score will be affected negatively if you have paid bills late, had an account referred to collections, or declared bankruptcy, if that history is reflected on your credit report.

You may freely reprint this article provided the author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

In The News:
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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://afp.google.com/article/ALeqM5hl7fho6i6XH124JRUQ6gCDtqAjcwcid=1255835915ei=beHvSKaSIKjk6gPqwui7Bwusg=AFQjCNE33wiiAiAIYj6u1D1RPBB8eAwjpgimg src=http://news.google.com/news?imgefp=cDlZeyjWqTEJimgurl=afp.google.com/media/ALeqM5hslaZQy1Ku7EseLhSqhfkM0ePM7g width=80 height=78 alt= border=1brfont size=-2AFP/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://money.cnn.com/news/newsfeeds/articles/djf500/200810101323DOWJONESDJONLINE000788_FORTUNE5.htmcid=1255835915ei=beHvSKaSIKjk6gPqwui7Bwusg=AFQjCNHXmp13sshGcY3F9a4DFR45crToOABattered GM, Ford Call For Quick Issuing Of Government bLoans/b/abrfont size=-1font color=#6f6f6fCNNMoney.comnbsp;-/font nobr5 hours ago/nobr/fontbrfont size=-1WASHINGTON -(Dow Jones)- US auto makers are ratcheting up pressure on the government to quickly implement a $25 billion bloan/b program approved this fall, b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601082%26sid%3DaegzvEwrvIjc%26refer%3Dcanadacid=1255835915ei=beHvSKaSIKjk6gPqwui7Bwusg=AFQjCNHYicdsB0IQl14LkvB8ELxsFAADFAFord, GM May Not Get US bLoans/b in Time, Globe and Mail Reports/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.freep.com/article/20081009/BUSINESS01/810090388cid=1255835915ei=beHvSKaSIKjk6gPqwui7Bwusg=AFQjCNGD8q1N5QBJ_FAMhZcIeEq7rVxnWACar bloan/b fears clobber US auto stocks/a font size=-1 color=#6f6f6fnobrDetroit Free Press/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.insightnews.com/business.asp%3Fmode%3Ddisplay%26articleID%3D4877cid=1255835915ei=beHvSKaSIKjk6gPqwui7Bwusg=AFQjCNHGhtgphUJwDQXrfo8Lis6uXJSOBgCar companies cop congressional bloans/b/a font size=-1 color=#6f6f6fnobrInsight News/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.mlive.com/grpress/business/index.ssf/2008/10/gm_or_ford_bankruptcy_could_ha.htmlcid=1255835915ei=beHvSKaSIKjk6gPqwui7Bwusg=AFQjCNExdSAFJi9smZcPgVw22wJucxjReAnobrMLive.com/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.npr.org/templates/story/story.php%3FstoryId%3D95620206cid=1255835915ei=beHvSKaSIKjk6gPqwui7Bwusg=AFQjCNGXyUp31HFYfQ9PIYvDIGO9QAptAgnobrNPR/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255835915hl=ennobrall 685 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.klewtv.com/news/business/30713394.htmlcid=1256184040ei=beHvSKaSIKjk6gPqwui7Bwusg=AFQjCNG_67xQHjtwOi2qeoVCNjVhQpJfHgimg src=http://news.google.com/news?imgefp=UD26qxpLpIgJimgurl=media.klewtv.com/images/080307_stock_federal_reserv.jpg width=80 height=60 alt= border=1brfont size=-2KLEW/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://ap.google.com/article/ALeqM5jC0Js_XMSCt-GDAijc3qIbjuVZIAD93N9DEG0cid=1256184040ei=beHvSKaSIKjk6gPqwui7Bwusg=AFQjCNEQiDT9_DsghD37nbNemBR3r1gLrQBanks borrow record amount from Fed/abrfont size=-1font color=#6f6f6fThe Associated Pressnbsp;-/font nobr20 hours ago/nobr/fontbrfont size=-1This category was broadened last week to include any bloans/b that were made to the US and London-based broker-dealer subsidiaries of Goldman Sachs, b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.usatoday.com/money/economy/2008-10-09-confidence-fear-financial_N.htmcid=1256184040ei=beHvSKaSIKjk6gPqwui7Bwusg=AFQjCNFAkkc910C_PIWEa3DuLf6-SDPeVwInvestors, bankers have lost their faith/a font size=-1 color=#6f6f6fnobrUSA Today/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://blogs.wsj.com/deals/2008/10/10/afternoon-reading-should-the-government-take-over-all-the-us-banks/cid=1256184040ei=beHvSKaSIKjk6gPqwui7Bwusg=AFQjCNH8b_9RCbKVgVFXoY6-VNiIf9QvrAAfternoon Reading: Should the Government Take Over All the US Banks?/a font size=-1 color=#6f6f6fnobrWall Street Journal Blogs/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.mlive.com/flintjournal/index.ssf/2008/10/michigan_voters_to_decide_ball.htmlcid=1256184040ei=beHvSKaSIKjk6gPqwui7Bwusg=AFQjCNEZW844cjglQRtIOfwIJz0mmhpnOwMichigan voters to decide ballot questions on medical marijuana b.../b/a font size=-1 color=#6f6f6fnobrMLive.com/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256184040hl=ennobrall 237 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.newsday.com/news/local/wire/newjersey/ny-bc-nj--financialmeltdown1010oct10,0,870527.storycid=1256083059ei=beHvSKaSIKjk6gPqwui7Bwusg=AFQjCNF_1PdqI3NswVnGlg84ZW_72kljWQ2 schools turn to Bergen County for bloans/b/abrfont size=-1font color=#6f6f6fNewsday,nbsp;NYnbsp;-/font nobr10 hours ago/nobr/fontbrfont size=-1Two Bergen County schools turned to the county government for $11.5 million after they could not find any traditional lenders to give them short-term bloans/b b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.dailybusinessreview.com/news.html%3Fnews_id%3D51073cid=1255889659ei=beHvSKaSIKjk6gPqwui7Bwusg=AFQjCNGUqbzLBvnANyG2oHDs6K3dZBfZfwimg src=http://news.google.com/news?imgefp=tKehilneSFcJimgurl=www.dailybusinessreview.com/images/news_photos/51073/Crist-Charlie3.jpg width=71 height=80 alt= border=1brfont size=-2Miami Daily Business Review/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.forbes.com/feeds/ap/2008/10/09/ap5532430.htmlcid=1255889659ei=beHvSKaSIKjk6gPqwui7Bwusg=AFQjCNG7SXh1WFTNxLtoLhUqEgRPLeL6pwBankers: Floridians can still get home bloans/b/abrfont size=-1font color=#6f6f6fForbes,nbsp;NYnbsp;-/font nobrOct 9, 2008/nobr/fontbrfont size=-1By BILL KACZOR 10.09.08, 3:29 PM ET Floridians can still get home bloans/b despite the national credit crunch, banking officials assured Gov. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.wflxfox29.com/Global/story.asp%3FS%3D9153321%26nav%3Dmenu98_3cid=1255889659ei=beHvSKaSIKjk6gPqwui7Bwusg=AFQjCNFi39ViPqRedrUZvnhEDo8Bnf_EFwBankers: Floridians can get home bloans/b/a font size=-1 color=#6f6f6fnobrWFLX Fox 29/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bizjournals.com/tampabay/stories/2008/10/06/daily43.htmlcid=1255889659ei=beHvSKaSIKjk6gPqwui7Bwusg=AFQjCNGZzY3XJ9dgfoBMmPqDWY0NSkOcTwFlorida bankers say there’s money to lend/a font size=-1 color=#6f6f6fnobrBizjournals.com/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.news-press.com/article/20081009/BUSINESS/81009046/1014/businesscid=1255889659ei=beHvSKaSIKjk6gPqwui7Bwusg=AFQjCNH6M1HLAYX4uarKGmxoxsX5a_7jywGov. Crist urges Floridians to talk with lenders after receiving b.../b/a font size=-1 color=#6f6f6fnobrThe News-Press/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.tampabays10.com/news/local/story.aspx%3Fstoryid%3D91784%26catid%3D8cid=1255889659ei=beHvSKaSIKjk6gPqwui7Bwusg=AFQjCNHVWUxWyeUO8VMhXM5mpPRQSqCqUwnobrTampa Bay's 10/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255889659hl=ennobrall 46 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/amidst-current-economic-turmoil-bank/story.aspx%3Fguid%3D%257B6C90BDF8-27DF-49BA-865C-108A234D382F%257D%26dist%3Dhpprcid=1256181620ei=beHvSKaSIKjk6gPqwui7Bwusg=AFQjCNEzGlY8XclFwdLe9RbWx39wrqdDTQAmidst the Current Economic Turmoil, Bank of McKenney Posts Core b.../b/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr9 hours ago/nobr/fontbrfont size=-1During the same period, total bloans/b expanded by 4.86% or $5.2 million to the September 30, 2008 balance of $112.2 million. At September 30, 2008, b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/elmira-savings-bank-posts-earnings/story.aspx%3Fguid%3D%257BD8138545-EB4E-4675-830D-2E0EB1D34B53%257D%26dist%3Dhpprcid=1256181620ei=beHvSKaSIKjk6gPqwui7Bwusg=AFQjCNGkECgQD8VFc7mrMMVIzUsb_7HSDwElmira Savings Bank Posts Earnings/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/pacific-alliance-bank-announces-third/story.aspx%3Fguid%3D%257B43E88D71-C980-497A-A644-A0C70DF3A3CA%257D%26dist%3Dhpprcid=1256181620ei=beHvSKaSIKjk6gPqwui7Bwusg=AFQjCNHjEbdTgUEbuIcdfsXspDKcYamHSgPacific Alliance Bank Announces Third Quarter Results/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/new-hampshire-thrift-bancshares-inc/story.aspx%3Fguid%3D%257BA72B4EA0-9F06-438D-88D0-A3BABD7D1AA6%257D%26dist%3Dhpprcid=1256181620ei=beHvSKaSIKjk6gPqwui7Bwusg=AFQjCNHswll4WrCNhKABMg8MTzPBZFWriQNew Hampshire Thrift Bancshares, Inc. Announces Earnings for Third b.../b/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256181620hl=ennobrall 31 news articles/nobr/a/font/div/font/td/tr/table
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