What is the Best Way to See Credit Scores?

Many consumers are interested in what is the best way to see credit scores. Everyone gets a little nervous when they are about to apply for a loan or mortgage, and a credit score plays a big role in whether we are approved or not. Even if you are awarded a loan, you could be subject to higher...
What is the Best Way to See Credit Scores?

Are Credit Scores and FICO Scores the Same?

One of the most popular questions among consumers is “Are credit scores and FICO scores the same?” It is actually a very good question, as there is more than one type of credit score. The score that the majority of creditors use in their approval process is the FICO score. It is also the...
Are Credit Scores and FICO Scores the Same?

What are Some Acceptable Credit Scores for Renting an Apartment?

There is a wide range of acceptable credit scores for renting an apartment. The required credit score for renting will depend on where you want to rent, what type of accommodation it is, the landlord’s personal credit standards, and your past rental history. Of course it is ideal to have a...
What are Some Acceptable Credit Scores for Renting an Apartment?

Who is Rated the Best Credit Score Service by Consumer Reports?

The best credit score service by consumer reports standards is one that uses the FICO score. This method of credit tracking was developed by the Fair Isaac Corporation (FICO), and is the industry standard today. Lenders check your credit score before they will even consider you for a loan. The...
Who is Rated the Best Credit Score Service by Consumer Reports?

What’s the Best Credit Score Possible?

If you’re interested in what’s the best credit score possible, you’re most likely interested in raising your credit score. A good credit score is important in today’s society as it affects more than out ability to secure a loan or open a credit card or store account. Credit scores are...
What’s the Best Credit Score Possible?

What Credit Score is Needed for a Barney’s New York Credit Card?

The Barney’s New York credit card is designed so that customers of the luxury department store can receive rewards and discounts on items purchased with it. Barney’s was started in New York in 1923, and is s high-end store selling products from popular designers such as Givenchy, Yves Saint...
What Credit Score is Needed for a Barney’s New York Credit Card?

What Do 2012 Credit Score Ratings Mean?

The 2012 credit score ratings are used by creditors to determine if a consumer can be trusted with a loan. The actual score is calculated by using a scale that was developed by a company known as the Fair Isaac Corporation (FICO). The FICO score is the most widely accepted credit score rating...
What Do 2012 Credit Score Ratings Mean?

Is it True that 700 is a Good Credit Score?

There is no easy answer to this question. For instance, 700 is a good credit score for young people with relatively short credit histories, but not for those who are older and have been using credit for a longer period. Your credit score is calculated according to the following; Payment History...
Is it True that 700 is a Good Credit Score?

Is it true that 650 is a Good Credit Score?

There is no short answer to this question. For instance, 650 is a good credit score if you are young and have a fairly short credit history, but not if you are older and have been borrowing for a long time. Your payment history accounts for 35% of your credit score, the amounts you owe 30%, the...
Is it true that 650 is a Good Credit Score?

Where Can I Find My 3 Credit Reports and Scores Online?

Finding your 3 credit reports and scores online can be a bit more challenging than it seems. There are many websites that advertise credit scores online, but most of them use a form of credit score that is not used by lenders. It usually costs about $25 to get a credit score from them, but...
Where Can I Find My 3 Credit Reports and Scores Online?

What Credit Score is Needed for a Bealls Credit Card?

The Bealls credit card is another of those serviced by World Financial Network National Bank (WFNNB). Customers of Bealls can apply for the store credit card and if approved receive discounts, special sales notices, and rewards. Bealls was founded in 1915 by Robert Beall and is headquartered in...
What Credit Score is Needed for a Bealls Credit Card?

What is the Required 2012 Credit Score to Buy a House?

The required 2012 credit score to buy a house varies from lender to lender. One company could require a score of over 700 before they consider your mortgage application, while others may approve you with a credit score of as little as 500. There are other factors such as your current income,...
What is the Required 2012 Credit Score to Buy a House?

What is the 2012 Credit Score Range Needed for an FHA Loan?

In the current financial climate, many consumers are asking what the 2012 credit score range needed for an FHA loan is. FHA loans are designed specifically for first-time home owners with low credit scores. Applicants with credit scores of 500 or above may receive 100% financing on a home loan,...
What is the 2012 Credit Score Range Needed for an FHA Loan?

What is the Required 2012 Credit Score for a Mortgage?

The required 2012 credit score for a mortgage will depend on the lender with whom you’re applying. Different creditors have different credit score levels which they use to determine their cut-off points. Most lenders however require a credit score of at least 620 or above to consider a person...
What is the Required 2012 Credit Score for a Mortgage?

What is the 2012 Credit Score Needed for an FHA Loan?

Believe it or not, the 2012 credit score needed for an FHA loan is not as high as you might think. There is actually no set credit score to gain approval for an FHA loan, though there is a screening process to go through if your score is on the low side. Candidates with lower scores will have...
What is the 2012 Credit Score Needed for an FHA Loan?

What is a Good Credit Score to Buy a House in 2012?

One of the most common questions we are asked is “What is a good credit score to buy a house in 2012?” It is of course a very relevant and important question, especially because of the current economic climate. In time of economic boom, lenders generally lower their expectancies, and...
What is a Good Credit Score to Buy a House in 2012?

What Credit Score is Needed for a Student Loan?

When examining what credit score is needed for a student loan one must also consider a few other factors. Though a healthy credit score is an important decision in the awarding of any loan, things such as potential to repay the debt, career choice and academic record may also be taken into...
What Credit Score is Needed for a Student Loan?

Is A 702 Credit Score Good Enough?

If you are shopping for a home, vehicle, or new credit card you might be wondering is a 702 credit score good enough to for you to get a great financial deal. While a credit score above 700 is good, getting your credit score above 740 will help you save more money and time in the long run. Most...
Is A 702 Credit Score Good Enough?

What Is A High Credit Score Rating?

With lenders being stricter than ever before, more people are wondering just what is a high credit score rating. Basically, any credit rating above 740 is considered high and will help you save money especially when shopping for a mortgage loan. The number of credit reporting agencies and scales...
What Is A High Credit Score Rating?

Is A Credit Score Of 606 Bad?

A credit score of 606 on any scale is considered “subprime.” Subprime is a potentially offensive word, but try not to take it personally and remember that good people have poor credit ratings for a variety of reasons. The reality is a credit score of 606 will make it very hard for you to...
Is A Credit Score Of 606 Bad?

What Is A Good Credit Score For 2012?

As the year draws to a close, you are probably wondering just what is a good credit score for 2012. First, you must understand that several different companies including Experian, Equifax, TransUnion, and Fair Isaac Corporation (FICO) each compose a different credit score. Each company uses...
What Is A Good Credit Score For 2012?

What Credit Scores Are Needed For Mortgages?

With house prices and loan rates at historic lows, more people than ever hope to buy their own home. However, lenders have become stricter than ever before due to the global economic climate. Even people with a good financial history might meet a few challenges when trying to finance a home...
What Credit Scores Are Needed For Mortgages?

What Is A Karma Credit Score?

Checking your credit reports regularly is an important step toward protecting your financial health. However, checking your Karma credit score is also important. Many lenders will determine whether to conduct business with you solely based on a credit score. A Karma credit score is a...
What Is A Karma Credit Score?

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In the early part of the year the Department Of Housing And Urban Development released new guidelines regarding credit score required for FHA Loan 2012. It substantially lowered the minimum credit score needed to secure a FHA Loan from the low to mid 600s down to 580. Those who are buying a home...
What Is The Required Credit Score For A FHA Loan?

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What is a Vantage credit score? In 2006 the three credit rating bureaus Experian, TransUnion and Equifax devised a generic rating system that was more favorable especially to consumers with less than perfect credit. The Vantage credit rating system is different in that it puts more weight on...
What Is A Vantage Credit Score VS A FICO Score?

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Private student loans, also referred to as alternative student loans or personal student loans, is an aid that assists to pay for college, at better interest rates than other lines of credit. This option is used, when all other sources of financial aid, including grants, scholarships,...
What Is A Good Credit Score For A Private Student Loan?

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Terms such as credit score rating or rank are very common in today’s economic times, but not always easily understood. Whether you call it a score, rating, or rank it all boils down to one seemingly “magic” number. Most scales for credit score rating or rank run between 330 and 850, though...
What Is A Credit Score Rating Or Rank?

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Generally, people with a 548 credit score will be denied credit or get loans only at the highest interest rates. However, approval for a home equity line of credit is much less strict than approval for unsecured loans or credit cards. So, you can get a home equity line of credit with a 548...
Can I Get A Home Equity Line Of Credit With 548 Credit Score?

Young Adults Start To Manage Money And Build Credit Scores

Let’s call Generation “Y” young adults ages 19-29.   You are dealing with the process of establishing credit as some of you are continuing educational pursuits and then there are those of you who are entering the work marketplace for the first time.  There is also a segment of this...
Young Adults Start To Manage Money And Build Credit Scores

Generation “X” Continues To Build Credit Worthiness Despite Heavy Debt

Let’s label your group as Generation “X” ages 30-48. The average credit score for this generation is 718 which is higher than those in their 20s and somewhat lower than Baby Boomers in their 50s and early 60s. Still and all you are continuing to work as a generation to improve your credit...
Generation “X” Continues To Build Credit Worthiness Despite Heavy Debt

Which Generation Is Carrying The Most Debt And Has The Lowest Credit Scores?

While “generation gap” is a common term when referring to topics such as music, fashion, culture and politics, statistics reveal that age groups manage their money and debts quite differently as well. Here are some general credit trends. Keep in mind that these are national averages and you...
Which Generation Is Carrying The Most Debt And Has The Lowest Credit Scores?

Credit Scores Looking Good For Baby Boomers Despite Their Debt Picture

Baby Boomers are those of you who are ages 49-65 and you are strong and steady in the pursuit of the American dream. The average credit score for this generation is 782. Only your parent’s generation has higher credit scores that weigh-in at around 823. Interestingly enough North Dakota has...
Credit Scores Looking Good For Baby Boomers Despite Their Debt Picture

Seniors know How To Manage Money And Their Credit Scores Are Fantastic

Congratulations seniors your generation wins the prize for having the highest credit scores of all other groups younger than yourselves. The average credit score for most of you, “drum roll please” is 829. Seniors in 36 states have the highest scores in their state of all ages from 19 years...
Seniors know How To Manage Money And Their Credit Scores Are Fantastic

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In a perfect world you sit down with the officer at your favorite lending institution and you have in hand your VA Eligibility Certificate and all the paperwork that shows that you have stellar credit.  You are dreaming of that little blue house with the white picket fence. Maybe owning that...
Can I Still Qualify For A VA Home Loan If I Have Credit Issues?

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In the UK, each lending institution uses its own criteria for issuing credit, but their decisions are influenced by England’s three main credit reference agencies, Experian, Equifax, and CallCredit. These agencies take a broader snapshot of your activities as a citizen, which includes...
How Can I Check My Credit Score Online In The UK?

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While a credit rating of nearly 600 is not necessarily terrible, you still should ask questions such as, “will 589 credit score buy a VA home?” In most cases, the answer is still yes. However, you must understand the in’s and out’s of not only VA loans but why your credit score has...
Will A 589 Credit Score Buy A VA Home?

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Credit scores are used to determine a lot more than whether you will be approved for a credit card or loan request. Scores can determine how much money you pay for car or homeowner’s insurance, whether you must put up a cash deposit to acquire cable or electricity services, and in some cases...
How Can I Improve My Credit Card Scores?

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On any scale, the answer to the question of, “is a credit score of 740 good?” is yes. However, there is still room for improvement even with a credit rating of 740. Also, for some loans just having an excellent credit score is not enough to qualify. If you hope to purchase a new luxury car,...
Is A Credit Score Of 740 Good?

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With lenders tightening requirements every day, more people are asking the question of, “what is considered a good credit score?” There are several types of credit scoring models, but all have one concept in common. The higher the score, the less of a financial risk you present to lenders,...
What Is Considered A Good Credit Score?

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Citibank administers the Zales Credit Card on behalf of the world famous jewelry firm. Established in 1924, Zales was the brainchild of brothers Morris and William Zale. Zales are known for their quality merchandise offered at affordable prices, and sell both used and new jewelry, all of which...
What Credit Score is Needed for a Zales Credit Card?

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The Sony Credit Card has a reputation of one with a low acceptance or approval rate. Based on the recommendations of the Fair Isaac Corporation (FICO), the company that developed the credit score rating system, a score of 710 or above is needed to be approved for this card. Of course that number...
What Credit Score is Needed for a Sony Credit Card?

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The Saks Fifth Avenue Credit Card, like the store itself, is designed for the affluent customer. There are options for the average consumer though; in fact Saks offers three different cards. The store was opened by the wealthy Saks and Gimbel families in 1924. It has since grown to include 47...
What Credit Score is Needed for a Saks Fifth Avenue Credit Card?

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The Restoration Hardware Credit Card is another store card issued by World Financial Network National Bank. It is especially issued for consumers with a limited or poor credit history, and anyone with a credit score of 488 or above can be approved. Of course there are other factors considered...
What Credit Score is Needed for a Restoration Hardware Credit Card?

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The best thing the Radio Shack Credit Card has to offer is the attached financing. Although you also get the benefit of online account management and the occasional promotions offer, there is very little in the way of rewards. The card is only usable in-house, that is at Radio Shack stores or...
What Credit Score is Needed for a Radio Shack Credit Card?

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Most people monitoring their credit standing understand there are three major credit reporting agencies: Equifax, Experian, and TransUnion. It is perfectly understandable to want to view all three credit scores, especially since each credit bureau might report slightly different information....
What Is The Best 3 Credit Score Company?

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The Pottery Barn Credit Card is managed by World Financial Network National Bank (WFNNB) and is specifically for Pottery Barn customers. Potter Barn had its humble beginnings in 1949, opening as a home furnishings store in Manhattan. They have since opened Pottery Barn Kids (furnishings for...
What Credit Score is Needed for a Pottery Barn Credit Card?

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The Pier One Credit Card allows patrons of Pier One Imports to save money in-store and online. The unique store specializes in one-of-a-kind items, and has been operating in America for more than 40 years. They also have shops in Canada and Mexico, and offer furniture and home décor accessories...
What Credit Score is Needed for a Pier One Credit Card?

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The Talbots Credit Card is a rewards card offered by Talbots, a leading retailer in women’s fashion. They pride themselves in selling clothing, shoes, and accessories with a “modern take on timeless style.” The chain was established in 1947 in Hingham, Massachusetts by the husband and wife...
What Credit Score is Needed for a Talbots Credit Card?

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The PacSun Credit Card is perfect for anyone who enjoys shopping at Pacific Sunwear. Pacific Sunwear (Pac Sun), was established in southern California in 1980 as a small surf shop that sold surfboards, surf-wax, swimsuits, and other beach accessories. Gradually, they grew into a year-round...
What Credit Score is Needed for a PacSun Credit Card?

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The Neiman Marcus Credit Card is now issued by HSBC. The store credit card can be used at any Neiman Marcus or Bergdorf Goodman stores, or online at either store’s website, as well as at Cusp.com, Horchow.com and LastCall.com. The store offers upscale jewelry, accessories, apparel, beauty,...
What Credit Score is Needed For A Neiman Marcus Credit Card?

Auto Industry Is Saved Thanks To President Obama: Credit Score Rating of 720 or Higher Not Required For Major Purchases

Thank your lucky stars Governor Romney didn't win the presidential election.  His economic principals would have required that anyone with a credit score rating of 720 or below, would not qualify for a basic home loan.

The auto industry has been the backbone of the manufacturing sector in the United States for over 100 years but Mitt Romney said that we should have let Detroit “go bankrupt”. President Obama would have none of that and took a chance on America and loaned GM and Chrysler the money they needed to restructure their companies.

As a result the auto industry has come back even stronger than ever and is now producing more fuel efficient cars and trucks. Had the auto industry be allowed to go bankrupt over 1 million jobs would have been lost and that figure only accounts for jobs directly associated with actual plants that manufacture the cars and trucks themselves. Everyone in this country should be thankful that this bail out happened and the auto manufacturers have paid back their federal loans. So why are some people in this country aggravated with the President for this historic decision?

Just think if the auto industry really had been allowed to go down the drain as presidential candidate Governor Romney would have done if he was sitting in the oval office.

Besides all the jobs that would have been lost on the car assembly line, what about the factories around the country that make the raw materials that go into the processing of the car parts themselves? While we are on that subject, what about the lost jobs in the plants that take the raw materials and build the car parts?  How about the fact that banks would have raised their minimum credit score rating for basic purchases like homes and cars?  This would have had an incredibly detrimental effect on the country.

Take it one step further and remember that it takes truckers to transport all these raw materials and car parts between factories and the actual car assembly plants.

Now let’s look at the damage that would have been done on the retail side of things. How many car dealerships would have gone under? How difficult would it have been to get parts to fix the millions of cars already on the road? What would it have cost the average consumer to buy cars in the first place. Would there be a backorder process to wait for cars to be built.

It seems pretty obvious who is working hard to keep America strong and saving our auto industry, the very essence of what makes America what she is and has been for over a century.

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The Linen ’n Things credit card was initially introduced to allow its customers to conveniently charge in their retail store, shop and mange their accounts online, and to earn reward points to be used in-store. Shoppers were awarded one point for every dollar spent, with $10 being awarded for...
What Credit Score is Needed For A Linens ‘n Things Credit Card?

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The Limited credit card comes in two versions, The Limited Classic credit card, and The Couture Card. Both cards are administered by Financial Network National Bank (WFNNB) for customers of the apparel store, the first of which opened in Ohio in 1963. The store has grown to include well known...
What Credit Score is Needed For The Limited Credit Card?

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With all of this discussion about credit scoring, a natural question to ask is “which credit reporting agency has the lowest score?” It depends upon your definition of a credit reporting agency. If you are going by the three major credit bureaus that must follow federal laws such as the Fair...
Which Credit Reporting Agency Has The Lowest Score?

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A Lane Bryant credit card will allow you to save money and earn rewards at one of America’s top plus-size women’s fashion retailers. They are especially known for their plus-size line of sexy lingerie Cacique which offers lacy bras, panties, and other intimates. Lane Bryant has been in...
What Credit Score is Needed For A Lane Bryant Credit Card?

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The Kohl’s credit card is designed specifically for their customers to shop in-house. Though administered by Chase Bank, it is not affiliated with MasterCard or Visa, so cannot be used in any other locations. Because of the diversity of their products however, this poses no big problem, as you...
What Credit Score is Needed For A Kohl’s Store Credit Card?

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Should Credit Scores Influence Choosing Your Life Partner?

Meet Blondie a 20 something chick who is doing well for herself in corporate America, the only problem is that she is meeting the most irresponsible dufus guys and she is disgusted with the whole dating scene. Wait she says here is an interesting email about a dating service with a different angle on choosing your soul-mate, it says that your potential dates will be rated by their credit scores.

Blondie thinks that this is really cool so she clicks the link and fills in her profile, very anxious to see how this works and now they are asking her to enter a sample credit score of her ideal dream boat. She figures let’s go for the gold and enter 800.

Up comes the results… The states where singles have the best credit score ratings are North Dakota and Vermont followed by South Dakota, Montana and Alaska. Those places are too cold in the winter for me. Then again Midwesterners work very hard tilling the land and keeping the factories running. It continues that Wyoming, Nebraska and Iowa also get top billing.

So these guys and gals would probably make good mates because they know how to manage their money and there would be less financial battles in the house. Wait a minute she thinks, these people might be too tight with their money and you know that I have to have my weekly manicure and then there is the gym membership and so much more. Let’s continue to play…

Oops, I didn’t see this, Hawaii also tops the list as well. I wonder if they have lattes out there and I am a big city chick coming from New York, the Big Apple so all that beach and simple easy living may not work for me. How could I be productive with paradise waiting right outside my office window?

Now I will enter a score that is really poor just to see which states come up on the list as possibly the worst places to find a partner that will know how to manage all the financial situations that will come up in a marriage.

Well, do you know the worst state is Nevada? I guess it is because of the city of lost wages, I mean Las Vegas. I can imagine the lure of the poker table or the slots and having that piece of plastic burning a hole in your pocket making you run to the ATM machine to get more dough to lose. Yeah, I can see how marriage in that state could lead to divorce in a real hurry and I heard that the highest divorce rate is in Nevada.

Goodness, the southern states seem to be some of the worst places to find my perfect soul mate. Look at Tennessee , Georgia, Arkansas and Kentucky. Even the gulf states of Louisiana, Mississippi and Alabama seem to be an issue as well. I wonder if economic and environmental factors come into play here making things really rough for those folks. After all there are tornadoes, floods and droughts, and a few hurricanes lurking about too. What a mess!

It goes on to say that singles in Arizona and California are also having serious credit issues. I thought I heard that there are lots of folks in California that are really trying to rebuild their credit. Could this be influencing these statistics?

This is all very interesting Blondie thinks because it appears that singles seem to be doing fairly well credit wise living on the east coast, in the upper Midwest and parts of the Southwest. She wonders why their credit situation is adequate, not super but not bad either.

Well, Blondie says, I am emailing this dating service to ask these questions and many more.

She gets up from her computer and sees that “she’s got mail”. Wow, the service is saying that they have hired Credit Score Resource to provide great article content on this whole subject. Apparently these people work hard to help us learn all about credit issues that affect every part of our daily lives. Blondie is happy as she texts all of her friends and colleagues and is urging them to go check out the site and wait for the articles to be posted.