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About the application:

What is your credit score and what is a awesome credit score? Your credit score uses data on how you’ve handled debt in the past to predict your likelihood of repaying a future loan or credit card balance. The higher your score, the better you look to potential creditors. Your score affects whether you receive approved for credit and sometimes the interest rate or another charges you’ll pay. Check your gratis credit score to see where you stand The most commonly used credit scoring models range from 300 to 850. Each lender sets its own standards for what constitutes a awesome credit score. But, in general, scores fall along the following lines: 1. 300-629: Awful credit 2. 630-689: Fair or “average” credit 3. 690-719: Awesome credit 4. 720 and up: Perfect credit What goes into your credit score and what doesn’t? Two companies dominate credit scoring in the U.S.: FICO and VantageScore. They calculate scores from info in your credit reports, which list your credit activity as compiled by the three major credit reporting agencies: Experian, Equifax and TransUnion. If you have a awesome VantageScore, you’re likely to have a awesome FICO Score, because both consider the same factors: 1. Payment history: your record of on-time payments and any “derogatory” marks, such as late payments, accounts sent to collections or judgments versus you. 2. Credit utilization: balances you owe and how much of your accessible credit you’re using. 3. Age of credit history: how long you’ve been borrowing money. 4. Apks: whether you’ve applied for a lot of credit recently. Type of credit: how a lot of and what kinds of credit accounts you have, such as credit cards, installment debt (such as mortgage and vehicle loans) or a mix. A credit score doesn’t consider your income, savings or job safety. That’s why lenders also may consider what you owe alongside what you earn and assets you have accumulated. Why does your credit score matter? With a low score, you may still be able to receive credit, but it will come with higher interest rates or with specific conditions, such as depositing cash to receive a secured credit card. You also may have to pay more for vehicle insurance or place down deposits on utilities. Landlords might use your score to decide whether they wish you as a tenant. But as you add points to your score, you’ll have access to more credit products — and pay less to use them. And borrowers with scores above 750 or so have a lot of options, including the ability to qualify for 0% financing on vehicles and 0% interest credit cards. How can you build your credit score? The two largest factors in your score are payment history and credit utilization (how much of your accessible credit you’re using). That’s why they come first in this list of methods to boost your credit: 1. Pay all your bills, not just credit cards, on time. You don’t wish late payments or worse, a debt collection or legal judgment versus you, on your credit reports. 2. Hold the balance on each credit card at 30% of your accessible credit or lower. 3. Hold accounts begin and active if possible; that will assist your length of payment history and credit utilization. 4. Avoid opening too a lot of fresh accounts at once; fresh accounts lower your average acc age._ 5. Check your credit report and dispute any errors you find. It pays to monitor your score over time. Always check the same score — otherwise, it’s like trying to monitor your weight on various scales — and use the ways outlined above to build whichever score you track.And like weight, your score may fluctuate. As long as you hold it in a healthy range, those variations won’t have a major impact on your financial well-being. What if I don’t have a credit score? If you’ve never had a credit card or loan, you probably won’t have a score. And people who haven’t used credit in years can become “credit invisible.”