... inquiries generated when you
check your own reports and scores.
Where you can hurt yourself is if you ask a lender to check your score.
When a lender pulls your credit, it generates what’s known ... between your balances and your limits, and that’s
not good.
If you want to help your score, tackle the problem from the other end: by
paying down your debt. Increasing the...
... “prime.”
FICO Credit Score Percent with Score
300–499 2%
50 0 54 9 5%
55 0 59 9 8%
600–649 12%
650 –699 15%
700–749 18%
750 –799 27%
800– 850 13%
Your Credit Report: The Building Blocks
for Your Score
Because ... your score
was your score, period.”
Credit Scoring’s Use for Noncredit Decisions
I mentioned earlier that your landlord or employer might check y...
... interesting.
VantageScore % with Score FICO Score % with Score
900–990 A 11% 800– 850 13%
801–900 B 29% 750 –799 27%
701–800 C 21% 700–749 18%
601–700 D 20% 650 –699 15%
50 1–600 F 19% 600–649 12%
55 0 59 9 8%
50 0 54 9 ... Are Calculated
Like FICO scores, VantageScores are calculated using the information in your
credit reports. The factors considered are similar your payment h...
... more than $50 to set up your plan, you’re probably pay-
ing too much.
• When and how much will creditors get paid? You know that
missing or late payments can devastate your credit score. Make
sure ... bureau company line that you can’t legally remove true, negative infor-
mation from your credit report. I admit that I used to parrot that line myself,
108 YOUR CREDIT SCORE...
... 5
Kansas 355 3
Kentucky 5 15 15 5
Louisiana 10 10 10 3
Maine 6666
Maryland 3363
Massachusetts 6666
Michigan6666
Minnesota 6666
Mississippi 3333
Missouri 5 10 10 5
Montana 58 85
Nebraska 456 4
Nevada4634
New ... account for that matter, you’ll want
to do some legal research to make sure that you understand the statutes that
apply in your situation:
CHAPTER 7REBUILDING YOUR SCO...
... on your file
can’t help your score and might hurt it.
150 YOUR CREDIT SCORE
From the Library of Melissa Wong
ptg
Disputing Everything in Sight
Some of the phony credit- repair places blitz credit ... Fixing Your
Credit Score Fast
1 45
If you’ve read this far, you know what a tedious process fixing errors on your
credit report can be.
Credit bureaus have 30 days...
... about 15 percent of your
credit score. Both scores factor in the age of your oldest
account and the average age of all your accounts.
• 5 percent of your insurance score measures types of credit ... liens, and judgments can
seriously affect your score.
• 30 percent of your insurance score is based on your credit uti-
lization, which is roughly the same percen...
... Employment pattern.
Related Patterns
Patterns can be related to other patterns, alternative patterns, or complementary
patterns. Alternative patterns are similar to each other and are used ... use three categories to organize and classify the business patterns
discussed in this book: resource and rule patterns, goal patterns, and process patterns.
The resource and rule patterns...