Credit Scores

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What Causes Someone to Be Denied a Loan?

ong with a forced change of plans, it’s a blow to the ego when a lender denies your loan request. The amount of money available for lending may be the reason, as available funds fluctuate with the economy. The purpose for your loan also factors in -- home, car, home ...

Does Cosigning a Child's Student Loan Impact Credit Scores?

en if you never have to make a payment on the loan, cosigning a child's student loan will impact your credit score. Depending on your credit history, the student loan and your upcoming financial needs, you might need to think twice before you agree to be the cosigner on junior's ...

What Are the Credit Score Brackets That Banks Look At?

ile a FICO score, one of the main measures of creditworthiness, ranges from 300 to 850, banks and lenders often break this range of scores down into brackets. Each bracket represents a different type of borrower, with different probabilities that the loans made to borrowers in ...

What Is the Credit Score Needed for a True Earnings Credit Card?

ing a member of Costco, a warehouse club selling a large assortment of discounted products, is the first condition that qualifies you for the American Express True Earnings credit card. The second is a strong credit history. Besides giving you a line of credit, the no-annual-fee ...

Will Deferment and Forbearance Ruin My Credit?

you are unable to make your student loan payments, you may qualify to postpone those payments through either deferment or forbearance. Deferment primarily applies to federal student loans and is an entitlement for students in certain situations, such as those who are still ...

What Happens to Your Credit if You Return a Leased Car & Pay the Difference?

ybe you have grown tired of your leased car and want a change. You do not have to begrudgingly continue driving the vehicle until your lease term expires. If you can afford to buy out your lease, you have the option to return your leased car to the dealership. Provided you pay ...

If an Insurance Company Pays Off Car Due to Accident, Will My Credit Score Decrease or Increase?

to owners with comprehensive insurance are covered when an accident occurs. Totaled vehicles are paid off when you owe less than the car is worth. It is difficult to gauge the total effect of early payment of an auto loan on your credit score. When you lower your total ...

Does Marriage Affect Your Credit Score?

ur credit score is your ticket to borrowing money -- whether it's a mortgage or a charge card, most lenders pull your score before giving you credit. To get the best rates, you need a good score. When you get married, you have a second score to worry about: your spouse's.

How Do Mortgages Affect Your Credit Score?

ur credit score is your ticket to a low interest rate on loans and special perks on credit cards. Getting a mortgage will usually have a negative impact right after you take out the loan, but it doesn't have to ruin a good score. As long as you pay it on time each month, your ...

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