4 Things Your Credit Score Determines:
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- Paul Cannon
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2 4 Things Your Credit Score Determines: 1. Whether you ll be approved for credit for mortgages, car loans, installment loans, and credit cards 2. What interest rate you ll get on those loans 3. The cost of your homeowners and car insurance 4. In some cases, whether you get that job offer you ve been hoping for
3 The Three Credit Bureaus:
4 What makes up a Credit Report? It is simply a record of your credit activities It lists all of your credit card accounts and loans, the balances as well as your payment history. It shows if any action has been taken against you (judgments, liens, bankruptcies, etc.)
5 For Your Protection Under the Fair Credit Reporting Act (FCRA), enforced by the FTC, both the credit reporting agency and the organization that provided the information to the CRA (usually the creditor) must correct any errors or incomplete information in your report.
6 What makes up my Credit Score?
7 Types of Credit in Use Considers the number of credit accounts and the mix of credit types: credit cards, installment loans, mortgages, and is most important if you don t have a very long credit history
8 Payment History Takes into account (1) many different types of payments, including mortgages, major credit cards, department store credit cards, car loans, other installment loans such as for furniture, etc., (2) information from public records, such as bankruptcies, liens, lawsuits, foreclosures, judgments, and wage garnishments, (3) details of any missed or late payments, such as the amount, how long ago it occurred, and how late it was.
9 Amounts Owed Looks at the (1) the total of all the amounts you owe for all accounts, (2) the mix of amounts owed (credit cards vs. installment loans, for example), (3) the number of accounts that have balances, (4) how much of your total credit available on credit cards and installment loans you re using (the closer you are to maxing out your available credit, the more negative the impact on your score) and (5) how much of the original balance borrowed you still owe on installment loans, like your car.
10 Length of Credit History As long as you don t have negative information in your file, the longer your credit history, the higher your score.
11 New Credit Considers (1) how many new credit accounts you ve opened recently, (2) how long it s been since you opened a new credit account, (3) how many requests you ve made for credit recently, (4) how long its been since lenders have requested credit information on you, and (5) how good your recent credit history has been.
12 How To Improve Your Credit Score #1. Pay your bills on time.
13 How To Improve Your Credit Score #2. Don t open accounts you don t intend to use.
14 How To Improve Your Credit Score #3. Keep your balance low in relation to your available credit. 30% 50% 80%
15 How To Improve Your Credit Score #4. Order a copy of your credit report and correct any significant errors.
16 How To Improve Your Credit Score #5. Don t close unused accounts in good standing.
17 How To Improve Your Credit Score #6. Don t open several new accounts in a short period.
18 How To Improve Your Credit Score #7. Have a good mixture of credit cards and installment loans.
19 How To Improve Your Credit Score #8. Work with us to boost your score!
20 Thanks for coming! Enter CU Logo
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