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FICO Scores & Credit Reports

FICO Scores & Credit Reports

Here’s The Surprising Reason You Should Work On Your Credit

I write a lot about credit. I’ve built my entire career around it, and I’m passionate about helping people create healthy credit.

Is it because I love great credit scores and low credit card balances? Not really. Those are important to have and they’re the ideal goal when working on your credit, but they’re not the REAL reason I do this.

Instead, I’m so focused on credit for one surprising reason…

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FICO Scores & Credit Reports, Personal Finance

Does your credit impact your health?

You probably already knew this intuitively (for example, you might have read that paragraph above and said, “of course they’re connected, Jeanne!”). In spite of this, people are frequently surprised when I suggest that our health and our credit are closely connected. Health and credit are two things we don’t always see as linked… but they are. Your health can impact your credit. Your credit can impact your health.

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FICO Scores & Credit Reports

10 ways to stay positive while you’re working on your credit

We live in an instant world. You shop for something online and it’s at your door in days (or hours!). If you want pizza, you can probably get it delivered in 30 minutes or less without even speaking to a human. And how can we even get started on the numerous ways to watch our favorite movie, series or documentary instantly.
So why oh why can’t it be the same with rebuilding credit?

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FICO Scores & Credit Reports, Financing & Loans

The Scores That Matter in Auto Lending

Thinking about getting a new car? Based on all the car company advertising, it would appear it’s a great time to be in the market to buy a new vehicle. All of the big car companies have promotions for auto lending such as cash back incentives, 0% financing and other incentives to move the 2015 inventory off the lot.

However, have you also noticed the fine print in the advertisements? It often points out that these more favorable financing terms are only available to qualified applicants. And, having a higher FICO® Score is often quoted as one of the key requirements.

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FICO Scores & Credit Reports, Financing & Loans

The Scores That Matter in Mortgage Lending

So you’re ready to take on a new mortgage and you’ve done your research. You have been educating yourself about credit scores, the credit process and how lenders evaluate credit for mortgage loan applications as you are getting ready to purchase a new home. And you know understanding your FICO® Scores is really important as they are the credit scores most commonly used in the mortgage lending process.

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FICO Scores & Credit Reports

3 Ways to Capitalize on 800+ FICO® Scores

The latest FICO® Score data brought with it some encouraging news about consumers’ FICO® Scores and credit health: a growing number of U.S consumers—19.9%—have FICO Scores of 800 or higher. That’s nearly one in five people with FICO Scores in the “exceptional” credit range.

With news of more people boasting 800+ FICO Scores, we thought now’s the perfect time to detail a few specific perks of having high scores.

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