Tag Archives: Scores…

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The Lesser Known Uses of Your FICO Credit Scores

FICO is a term that is often used as the generic word for credit scores, much the way Xerox is used when referring to any photocopy machine. But, the FICO score is a specific scoring system developed by the Fair Isaac Corporation. Fair Isaac is the company that developed the credit score and is the industry leader. Their scores are used by all three of the major credit bureaus and by over 70% of all lenders and creditors in America.

This is where it starts to gets a little confusing. Although the three bureaus use the FICO scoring system, each has their own way of calculating the score. Thus, when you receive a credit report from all three bureaus (a tri-merge report) you will get three different scores. It is further complicated by the fact that each of the bureaus may have different information in their files on you, thereby calculating their score based on different information.

But, wait, it gets more confusing. Each bureau not only has a slightly different scoring model that they purchased from Fair Isaac, but they also have different models for each credit type. So, your score will depend not only on which bureau is calculating the information, but also on the type of credit for which you apply.

Some of the more common types of scoring models are consumer, mortgage, automobile, and insurance scores. This helps explain why you get a slightly different score when you order a report for yourself (you will get the consumer scoring model version) compared to the scores your mortgage lender gets (they get the mortgage scoring model version).

In all cases, the FICO score has one major purpose: to predict your chances of default. In addition to grading your chances of default for a particular loan, creditors use credit scores for the following:

1. Fraud detection for credit and/or insurance.

2. Calculating the amount of profit a credit issuer is likely to make on a particular account of offer.

3. Predicting the risk of a specific default, like a foreclosure or a bankruptcy.

4. Forecasting the cost of an insurance policy claim.

5. Estimating how much a borrower who is in default is likely to pay.

6. Anticipating which customers may close certain accounts or pay certain accounts to zero.

7. Predicting the response rate to certain direct mail offers.

The bottom line is that creditors and the credit bureaus are in business to make money. They use credit scores, and FICO models in particular, to help determine their business plans and shape their credit decisions.

You should also always remember that the credit bureaus are for-profit entities, which create profit by having a product to sell. In this case, the product is your credit information, and their customers are the creditors who order credit reports.

Here are a few facts about credit scoring in general that you should keep in mind:

– You need to have and use credit to have a credit score.

– The FICO formula requires you to have at least one account on your credit report that has been open for six months and one account that has been updated in the past six months. Without this, you will not receive a score under FICO’s traditional scoring system.

– In 2004, Fair Isaac created the “Expansion Score” for people with thin or non-traditional credit histories. This scoring system can account for things like rental payments or checking account histories, but it is not widely accepted. It is better to work to establish traditional credit.

– A credit score is not typically the only thing lenders consider. But, it is a big factor. For example, in mortgage lending, a lender will consider your income, job history, debts and savings along with your scores. But, having a great income or terrific savings will not overcome a lousy credit score with most mortgage lenders.

– Those who will overlook your score will charge considerably higher rates and fees than traditional lenders.

– Credit scoring systems were designed for lenders, not consumers.

– Credit scores, and how they are determined, are not meant to be easy to understand. The actual formulas and details of how they work are closely guarded secrets.

Remember our earlier comment – the credit bureaus are in business to make money, not provide a service. As such, they fiercely protect their interests.

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Credit Scores and Credit Reports Explained in One Minute

Credit ratings and credit history might appear difficult but quite frankly, comprehending them is pretty easy if you begin it in a logical way.

At the conclusion of the day, understanding just what a credit score is or just what a credit history is perhaps all boils down to seeing things through the perspective of those which make use of them (as an example loan providers).

Let’s make an effort to do just that!

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Better Credit Scores – 7 Tips

Credit scores are the equivalent of a financial report card. There is no way to avoid having credit scores since the Big Three consumer reporting agencies – Equifax, Trans Union, and Experian – keep tabs on your credit situation daily. These agencies then report your scores to any lender who requests it.

A credit score is also called a FICO score. If you have a low credit scores you could be turned down for home or auto loans. Your low score can also actually contribute toward your financial woes since it usually means higher monthly payments on any money you borrow.

There is hope, however! By taking the right steps, you can improve your credit scores significantly. Here are 7 tips for improving your credit scores.

Tip #1: Check your latest credit reports from each of the Big Three bureaus:

The first step toward better credit scores is to find out your current score from each of the Big Three consumer reporting bureaus. You can find a number of Web sites that give you access to this information for FREE. To find one, run a search in your favorite search engine using the keywords free credit report.

Tip #2: Immediately correct any blatant mistakes:

Download and review each report item by item, circling any blatant errors you find. Of particular importance are inaccurate unpaid balance flags, the existence of credit accounts that you never opened, and incorrect information concerning your current address. You must take each of these mistakes quite seriously and address them to both the relevant credit agency and, when applicable, the lender in question.

Tip #3: Pay your bills on time:

This is a common sense item, but people having credit problems often neglect it due to the snowballing nature of their debt situation. Paying your bills on time is very important, and nowadays even utility companies are reporting your payment history to the credit agencies. Hint: to improve your score even more, make your monthly credit card payments before the end of the statement period. This has the positive effect of keeping any charges made that month from even showing up as a balance on your cards, thereby improving your ongoing debt-to-credit limit ratio (see Tip#4).

Tip #4: Improve your debt-to-credit limit ratio:

In calculating your credit worthiness, the Big Three credit agencies factor in heavily your debt-to-credit limit ratio. As the term implies, this ratio is simply the result of dividing your total current credit card debt by the total credit limit across all of your cards. The ratio is always a number between 0 and 1, with numbers below 0.5 being most favorable. There are two ways to reduce your debt-to-credit limit ratio. One way is to simply reduce your credit card balances by paying them down. Another option that many people fail to consider: request an increase in credit limit from your creditors.

Tip #5: Pay off debt, don’t just move it around:

While it can be a smart move to transfer debt from your higher interest credit cards to your lower interest cards, this does not substitute for actually paying down your overall debt. Just moving your debt from card to card is not going to improve your score.

Tip #6: Avoid closing credit cards just prior to a loan application:

Some people believe that closing out some of their credit cards immediately prior to applying for a loan is a good idea. However, this is not true. On the contrary, it has the effect of suddenly increasing your debt-to-credit limit ratio, which is a credit score no-no. In fact, as long as you have the will power to use your credit cards wisely, it can be a good idea to keep multiple cards. Then, use these additional cards from time to time, charging small amounts and then quickly paying them off. This reflects positively in your credit scores as your having a healthy ability to manage your debt.

Tip #7: Understand the influence that bankruptcy has on your score:

As a final note, beware that having declared bankruptcy in the past can make it especially hard to achieve better credit scores. Bankruptcies can stay on your credit report for 7 to 10 years.

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Related 3 Credit Scores Articles

Credit Scores Explained

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3 Things You Might Not Know About Credit Scores

Credit ratings seem quick, right? Just three numbers that see whether you can get a charge card (https://www.credit.com/credit-cards/?utm_source=youtubechannel&utm_medium=content&utm_content=IB_1&utm_campaign=know_credit_scores), mortgage, apartment rent, car loan plus. But there are some things the Average Joe or Jane cannot know about fico scores. Here are a few ideas.

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