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Up To Date credit score Information From Around The Web
The nation's three largest credit reporting bureaus -- Experian, TransUnion and Equifax -- have developed a uniform credit scoring system they say will be an improvement for businesses and consumers. The companies' new VantageScore system puts them in direct competition with Fair Isaac Corp., the 50-year-old firm that developed FICO scores, which are considered the vanguard of credit score modeling to assess risk. ``This is about putting their own mousetrap into the marketplace,'' said Greg McBride, a banking analyst with Bankrate.com, which tracks trends in the financial services industry. ``It's something that generates money for them or is less money that they have to spend for the FICO scoring model. There's a clear financial motive.'' The three-digit credit score and general credit report are integral to you as a consumer because they're used by lenders to determine whether they'll approve a mortgage loan or car note and how much interest you'll pay. The higher the score, the more likely it is that you'll pay your debts and pay them on time. The scores and reports also factor into how much you'll be charged for insurance and, in some cases, whether you can rent an apartment or whether an employer will hire you. The companies said the decision to launch their own scoring system after a yearlong effort was a response to business and consumer demand for uniformity in the scores. If you pulled your credit reports now, which are most likely based on the FICO model, you could get three different scores, in some cases varying by 40 points. In the Vantage- Score system, the scores would be more comparable, the credit reporting agencies said. Under both models, the scores don't always match because each bureau doesn't necessarily carry the same credit data on you. Sonoma County lenders took a wait-and-see attitude Tuesday, saying they and their regulators have developed confidence in the FICO model over almost two decades, and they will not be quick to embrace another program. ``It's proven to us, by tracking loan losses and delinquencies, that the Fair Isaac model is very predictive of creditworthiness in borrowers,'' said Rob Thorson, treasurer at Westamerica Bank. Still, if the new system produces less conflicting scores, that would be a boon for lenders and consumers, experts said. ``It's probably an overdue effort to merge the data in a way that will be more consistent, more timely and provide fairness to the consumer,'' said Bill Schrader, chief operating officer at Exchange Bank in Santa Rosa. The FICO model was developed nearly 20 years ago by Fair Isaac in San Rafael. Headquarters was moved to Minneapolis three years ago, but the company still has 350 employees in San Rafael, including its score-development team, said spokesman Craig Watts. The VantageScore system is being marketed to businesses immediately but will be gradually rolled out to consumers. Under Fair Isaac's FICO model, your score ranges from 300 to 850 and is weighted on several factors. Payment history counts for 35 percent, debt amount 30 percent, length of history 15 percent, and kinds of credit used and new credit accounts 10 percent each. Under the VantageScore model, your score ranges from 501 to 990. It uses the same categories as FICO, but the three credit reporting agencies would not disclose how they are weighted. Under their scoring, 901 to 990 would be considered an ``A,'' 801-900 a ``B,'' and so on down to 501 to 600, an ``F.'' That makes it easier for consumers to understand their own creditworthiness and for businesses to decide how much credit to extend, said Colleen Tunney, a TransUnion spokeswoman. McBride at Bankrate.com said the bureaus are going to have to convince businesses that their system is better than Fair Isaac's FICO-branded scoring system, which has been on the market for nearly 20 years. ``This isn't the first time and it won't be the last time that the bureaus have tried to compete with us,'' said Ron Totara, Fair Isaac's vice president and general manager of global scoring solutions. ``At first blush it doesn't seem like it's going to have an impact.''
YouTube :: Tag // creditscore
Videos tagged with creditscore
Real Estate Investment Financing
by rss@youtube.com (Jaytence)
1 Dec 2008 at 6:40pm
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Author: Jaytence
Keywords: estate financing hard investment money private real
Added: December 1, 2008
10 Mistakes to avoid when fixing your credit.
by rss@youtube.com (scoremore1)
1 Dec 2008 at 4:33pm
http://www.ScoreMoreCredit.com - Boost your credit score NOW and pay later. Avoid these 10 common credit repair mistakes. Get your free cd, free ebook, and free coaching call at www.ScoreMoreCredit.com. Limited time offer!
Author: scoremore1
Keywords: credit repair improve my rasie boost mistakes score more brian diez guaranteed how to fix
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Credit Score Review - Episode #86
by rss@youtube.com (VideoCreditScore)
1 Dec 2008 at 10:55am
http://www.videocreditscore.com/credit-score-review/ - Credit Score Review. Know which score system your score uses. FICO vs non-FICO.
Author: VideoCreditScore
Keywords: Credit Score Review
Added: December 1, 2008
Credit Inquiries - 10% of Your Credit Score
by rss@youtube.com (VideoCreditScore)
1 Dec 2008 at 10:49am
http://www.videocreditscore.com/inquiries-credit-score/ Credit Inquiries - 10% of Your Credit Score
Author: VideoCreditScore
Keywords: Credit Inquiries
Added: December 1, 2008
Mixture of Credit: Credit Score Factor
by rss@youtube.com (VideoCreditScore)
1 Dec 2008 at 10:42am
http://www.videocreditscore.com/mixture-of-credit-10-credit-score/ Mixture of Credit: Credit Score Factor accounts for 10% of your credit score
Author: VideoCreditScore
Keywords: Mixture Credit Score
Added: December 1, 2008
Length of Credit History: Credit Score Factor
by rss@youtube.com (VideoCreditScore)
1 Dec 2008 at 10:36am
http://www.videocreditscore.com/length-of-credit-history-credit-score/ Length of Credit History: Credit Score Factor accounts for 15% of your score
Author: VideoCreditScore
Keywords: Length of Credit History
Added: December 1, 2008
Amounts Owed: a Credit Score Factor
by rss@youtube.com (VideoCreditScore)
1 Dec 2008 at 10:32am
http://www.videocreditscore.com/amounts-owed-credit-score/ Amounts Owed: Credit Score Factor accounts for 30% of your score
Author: VideoCreditScore
Keywords: Amounts Owed Credit Score
Added: December 1, 2008
Payment History: a Credit Score Factor
by rss@youtube.com (VideoCreditScore)
1 Dec 2008 at 10:23am
http://www.videocreditscore.com/payment-history-credit-score/ Payment History: Credit Score Factor, 35% of your score
Author: VideoCreditScore
Keywords: Payment History: Credit Score Factor
Added: December 1, 2008
Closing Credit Cards Hurts Credit Scores
by rss@youtube.com (VideoCreditScore)
1 Dec 2008 at 9:41am
http://www.videocreditscore.com/closing-credit-cards-hurts-credit-scores/ Closing Credit Cards Hurts Credit Score
Author: VideoCreditScore
Keywords: Closing Credit Cards Hurts Score
Added: December 1, 2008
Adverse Actions and Credit Scores
by rss@youtube.com (VideoCreditScore)
30 Nov 2008 at 9:33pm
http://www.videocreditscore.com/adverse-action-credit-scores/ Adverse Actions and Credit Scores
Author: VideoCreditScore
Keywords: adverse action credit score
Added: November 30, 2008
720 Credit Score in 15 days
by rss@youtube.com (edowealth)
30 Nov 2008 at 7:19pm
Learn the best and easiest way to get your credit to 720 in no time at all.
Author: edowealth
Keywords: credit score loans personal money mortgage
Added: November 30, 2008
How is your credit score calculated?
by rss@youtube.com (shahab816)
29 Nov 2008 at 8:52pm
http://www.bestcreditrates.net How is your credit score calculated? What are the 3 separate formulas for Experian, Equifax, and Transunion? 4 days ago - 1 day left for voting Report Abuse 0stars - mark this as Interesting! Email Save 35% of your score - Payment History 30% of your score - Amounts Owed 15% of your score - Length of Credit History 10% of your score - New Credit 10% of your score - Types of Credit No one knows the exact calculations and formulas for the individual bureaus. They change all the time anyway. The credit bureaus are constantly changing their formulas to combat people trying to circumvent the system (authorized users on credit cards they don't actually have, etc.)
Author: shahab816
Keywords: How is your credit score calculated?
Added: November 29, 2008
have a credit score of 599 ?
by rss@youtube.com (shahab816)
29 Nov 2008 at 8:49pm
http://www.bestcreditrates.net have a credit score of 599 ? I am a recent graduate of college and I have a job making $30000 a year. I am looking to buy a used car and I was wondering if I would get approved for a car loan (dealership or bank) and if I am approved what type of interest rate should I expect for a 48 month loan? 4 days ago - 1 day left for voting Report Abuse 0stars - mark this as Interesting! Email Save IF you can find a car loan - the int rate will probably be at least 12-15% or higher - better have some money for down payment too
Author: shahab816
Keywords: have credit score of 599
Added: November 29, 2008
Credit Repair, Credit Secrets, Credit Repair Secrets, Increase Credit Score
by rss@youtube.com (AttractiveCredit)
29 Nov 2008 at 2:23pm
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Improve Credit Score-Improve Your Credit Score Within 72 Hours Without Any Money
by rss@youtube.com (elitemarketers)
28 Nov 2008 at 10:20pm
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Added: November 28, 2008
credit score Books
by Al Bingham
Amazon Price:
Customer Review: This book is a must for everyone, because EVERYONE needs a raise in their credit score, especially in today's economy.
I have been looking to refinance my home with a credit score average of 620 and it wasn't working out so well. I used advice and insight from this book and got my score up to a 750 average in 3 weeks! I really didn't have any money to work with either. Of course, paying off your credit lines is the best way to get your score up, but I was very surprised to learn a few new tricks to do so without even having to pay much off! The credit score system is ridiculous and if you think you know it all, you don't!
I love how well this book is organized. It makes rather difficult insights easy to understand and easy to put into action and it really doesn't take much reading to get there.
Thanks to the authors and researchers who put this together, no other book or website I could find even compares.
by Dana Neal
Amazon Price: $16.50
Customer Review: I found this book to be extremely helpful. It gives a complete explanation of how the credit process works, from credit reporting agencies and legal judgments to mortgage lenders and FICO scores, and it tells you specific steps you can take to improve your appeal to lenders. Although the book was very clearly written and easy to follow, having finished it I feel like an expert on the subject.
by Liz Pulliam Weston
Amazon Price: $12.91
Customer Review: I send all my customers who don't qualify for a car loan. I have seen some amazing results from these guys in a short amount of time. They are affordable to the kind of customers who would need credit repair in the first place, they charge less than $500 and will get results. Just a heads up from a Sales Manager of a New Car dealership.
by Curtis E. Arnold
Amazon Price: $13.59
Customer Review: Curtis has written a very relevant, timely message to an audience that needed this many moons ago. I have struggled with my finances in my college days like most students, and have found myself asking, "Where would I be today if I had this book in college?" Curtis has written this book as a tool for any and every consumer, but specifically the student credit chapters need to be plugged in to every university in America. It's information would prevent the next generation from experiencing what we are going through today. I recommend this book to anyone who wants to see the next generation succeed financially!
by Steve Bucci
Amazon Price: $16.49
Customer Review: Steve Bucci has written a must read book about Credit. He does it in a clear helpful manner. I believe that this book could be used for students learning all about the world of Credit.
Having been a Credit Manager at Princeton I found that young people had no concept of what credit is all about. These young people had to learn the subject of Credit the hard way. But had they been in a course where Credit Repair Kit was the textbook, they would have learned all the levels of credit and therefore not suffered the consequences of Bad Credit.
I salute you Steve Bucci for providing the book that will help all folks on the long journey of obtaining good credit.
by Jamaine Burrell
Amazon Price: $14.93
Customer Review: I'm a loan officer I have given people the same tips but most are simply too lazy! For those who can't spare the time they might try looking at http://www.yesineedcredit.com That website has several options they might consider
by Alison Rogers
Amazon Price: $11.21
Customer Review: There are no shortage of books out there for first-time home buyers, but Alison Rogers' Diary of a Real Estate Rookie: My Year of Flippin, Selling, and Rebuilding -- and What I Learned the Hard Way is easily the most interesting I've read, probably because it hasn't a how-to guide filled with platitudes like "don't buy the first house you see."
As the title would suggest, this isn't a how-to guide at all. Instead it's a former real estate writer's tale of her first year as a real estate agent/aspiring investor -- it's a quick and funny read (I finished it in one sitting), and it's a remarkably candid expose of all the problems that prospective home buyers can face in dealing with agents. The book begins "More than six million Americans move each year. If anecdotal evidence is anything to go by, more than 5.9 million of them hate their real estate agent." She describes the unethical tactics that many of her competitors use to inflate their incomes at the expense of clients. Sprinkled throughout the narrative are informative sidebars like "tricks to keep from overpaying", "the greatest rental search tip ever" (definitely worth the price of admission), and "five tips to ease the pain of selling."
In addition to being a valuable guide for rookie buyers, this is also probably the first book anyone contemplating a career as an agent should buy.
At 212 fun-to-read pages, you can't go wrong with this book if you're interested in real estate.
Zac Bissonnette
AOL Money and Finance Writers/Editor
by John R. Ulzheimer
Amazon Price: $24.95
Customer Review: This is an excellent book and is especially good for those of us who do not understand the world of finances very well. I took a class before this book and found the information to be contradictory to what the author has written. It is written in a matter of fact, truthful way. It's worth having.
by MBA, Lita Epstein
Amazon Price: $10.36
Customer Review: I purchased this book because I educate people on credit scores (mortgage broker) and as looked through this book at the checkout line, there was a lot of information that I had not come across on improving credit. I am reading it so that I can learn some new tips to help people qualify for a lower mortgage rate. It's easy to read and very helpful.
Christine, Sr Loan Officer[...]
by Evan Hendricks
Amazon Price: $13.57
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You can qualify for mortgage, it's just tougher - San Francisco Chronicle
San Diego Union Tribune
You can qualify for mortgage, it's just tougher
San Francisco Chronicle, USA - 9 hours ago
The actual credit score is just one element of a credit report, Allert said. Lenders also examine information such as utility bills in an effort to put ...
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Credit score Ask searchers were hunting down deals for all facets of their everyday lives, demonstrated by top queries for "cheap," "used," and "discount" ...
Self-Employed Are Frozen Out of Mortgages - Wall Street Journal
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Wall Street Journal - 2 hours ago
He can't get approved for a loan, even though he has a strong 800 credit score and is prepared to make a 40% down payment on a house near San Francisco in ...
Late barely better than never - Atlanta Journal Constitution
Late barely better than never
Atlanta Journal Constitution, USA - 13 hours ago
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Holiday shopping and your credit score - Examiner.com
Examiner.com
Holiday shopping and your credit score
Examiner.com - Nov 30, 2008
Not all inquiries count toward your credit score (FICO score - FICO stands for Fair Isaac Company, the company that started calculating credit scores). ...
SCORE: Enjoy the upside of a down market by thinking outside the box - Naples...
SCORE: Enjoy the upside of a down market by thinking outside the box
Naples Daily News, FL - Nov 30, 2008
A credit score of 700 or higher is preferred. Three years of business and personal tax returns and current financial statements are necessary. ...
Credit Karma Provides Consumers With *Free* Access to Their ... - Internation...
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International Business Times, NY - 18 hours ago
Moreover, financial experts suggest that to qualify for the bestmortgage rates in today's market, consumers need a much higher credit score;some suggest it ...
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IT News Online, India - 19 hours ago
Moreover, financial experts suggest that to qualify for the best mortgage rates in today's market, consumers need a much higher credit score; some suggest ...
When credit cards attack - Minneapolis Star Tribune
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Minneapolis Star Tribune, MN - Nov 29, 2008
If your credit score is in the 500s or 600s, you may find that the new terms of your existing card is as good as it's going to get. ...
Keep Your Credit Score on the "Nice" List this Holiday Season - MarketWatch
Keep Your Credit Score on the "Nice" List this Holiday Season
MarketWatch - Nov 25, 2008
Thanksgiving week is the perfect time to find out your credit score and to get your 2008 Equifax, Experian and TransUnion credit reports. ...
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The interest rate that you have to pay on a fresh loan would largely depend on the kind of credit score you have. This rating convinces the lender whether you are at all credit worthy or not, so no matter why you need the money, ...
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It seemed like just yesterday when you were eating mom's home-cooked breakfasts and hitting up dad for occasional gas money. Suddenly, you're thrust out into.
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