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What do you look for on the credit report and what do the credit score have to be? |
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Date:
January 22, 2007, 3:31 pm |
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What do you look for on the credit report and what do the credit score have to be? |
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Answer:
A credit report is a summary of your credit-related activity since you first applied for a credit card or a loan. In credit report they usually reflect how many credit cards and loans you had, what where the credit amounts, credit terms and how you used to pay off your balances. According to a special scheme of calculation, credit bureaus (institutions dealing with credit history collections) add to your credit score points, the sum of which refers your credit rating to bad, good, excellent etc. Here are numerical representation of different types of a credit history: Excellent Credit - 750-850 Good Credit - 660-749 Fair Credit - 620-659 Poor Credit - 350-619 No Credit - 0-0 Of course, everyone wants to have good credit to be able to apply for the best credit cards, so you have to build your credit history until it is excellent. To learn how to build good credit, you can read articles at our site. |
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