Repair Credit Score

Archive for the ‘Credit Score’ Category

Question: Is it okay that I don't have a Credit Score?

I know that a Credit Score is used for loans, but what if I never want to get loans. And I also dislike credit cards and much rather use debit cards to order things online. Does that mean I don't need a Credit Score?

Answer: No credit is better than bad credit.
And if you use credit cards and carry a balance you will likely get bad credit.

On another note. Good credit can lead to good paying jobs, since employers check. Also can lead to cheaper car insurance.

There is only one way to use credit cards to develop top credit.
Use if for things you need like food and gas, but pay in full each month the day you get the bill.
It's the carrying balaces and paying interest that ruins lives.
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Tax Help : What Is a FICO Score Used For?

Question: creditxpert Credit Score vs FICO Score?

what is the difference between these scores when i check my fico.com they say my FICO Score based on my equifax Credit Report is 613. Due to the price of my fico being higher than i can afford i decided to shop around and found my credit keeper.com they pull all three of my reports but they use creditxpert not fico. creditxpert says my scores are experian 667 equifax 615 and transunion 665. Now are those scores very close to my fico scores or are they way different? If they are different does anyone on average (rule of thumb) know if my fico's are higher or lower then creditxpert scores.
Am i wasting time and money on creditxpert scores?

Answer: I use and like creditkeeper.com

Your FICO from the way I understand it is witch ever score is in the middle. So if you have a
620
612
645

your fico would be 620, That's also what score they use when your applying for a mortgage.

Credit Scores: New Changes To Your FICO Score

Question: what kiind of Credit Score would be needed to purchase a home that is 135k?

Thinking about buying my first home and have no clue as to what the Credit Score I should have to get a home. Im trying to build up my credit but would like to know what score to shoot for.

Answer: credit-report-free.totalh.com - try this service to boost you Credit Score before getting loan. After Credit Repair you can get the loan with minimal interest rate.

How to get your Credit Score and report