Credit Facts



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It pays to have good credit. If you handle your credit responsibly, banks, credit card companies, insurance agencies, and even employers will reward you by giving you the best rates, offers and even jobs. There are several advantages to maintaining a credit score at or above the national median of 723. A higher credit score means you are more responsible in managing your finances and therefore more likely to be approved for a lower interest rate on new credit application. Lenders look at your scores all the time and you should know what they've been looking at and how it impacts you as an individual applying for credit. You can access your free credit scores from the 3 major credit agencies today, by trying credit monitoring for free.

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Bad credit score = 598. Good Credit Score = 700. See yours in seconds .

What is The Minimum Credit Score Lenders Look For?

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U.S. lenders rely on a credit report to decide whether to loan you money, to determine the interest rate they will charge you and, even, to establish your automobile or home insurance premium.

Minimum credit score requirement varies from lender to lender. Some lenders will allow risky financial behaviors ( but penalize you with higher interest rates), while others are very strict with credit requirements and eventually reward good financial management with good rates. Generally, scores below 620 are viewed as risky, while those over 750 are excellent. So, it is assumed that the minimum credit score requirement for most lenders is 620.

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A Bad Credit Score is below 598. Click to see yours instantly from America’s #1 online source.


About Your Credit Report And Score

Your credit report is a record of your past borrowing and repaying activities, including information about late payments and bankruptcy. The report will usually contain your social security number, date of birth and employment information. And Your credit score is a three-digit number that is used to predict how you will pay your bills. Several factors are taken into consideration when calculating your credit scores. And these factors include; your past payment history, current debts, credit inquiries, length of your credit history, the number of new credit accounts, other public records and collection Items. You can safeguard yourself and help fight identity theft by monitoring and reviewing your credit report. It is suggested that you obtain and review your credit report at least once a year, but if you ever feel that your information may have been compromised, you need to check your report as quickly as possible.

People often ask: will checking my credit report lower my score? The answer to this question is absolutely not! Reviewing your credit report for personal use will not lower your credit rating or score.

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Free credit reports are available under Federal law at:

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*Note: provides information and links to credit related products and information. Please consult an appropriate financial expert for further clarification. Free credit reports are available under Federal law at:

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