Credit Score Explained in detail along with how to improve your credit score and get your credit card to 800 credit score. Credit Score tips for beginners and how to use a credit card wisely. Why Free Credit Score or Vantage score is not good and why FICO Score is better than free credit score, Which credit bureau should you check your credit score at? Perfect Credit can be achieved.
If you are wondering what is credit score and how is it affected with FICO score or where to check your fico score is it from Experian or Equifax or Transunion Credit Bureaus. Which is the best place to look for the credit score or the FICO score is important or Vantage points.
Why Credit Karma Score is not your accurate score? What is the difference between vantage score and fico score?
Credit Card for beginners and How credit cards work?
How is Equifax credit report different from Experian Credit report or different from Transunion Credit report.
How to check which credit bureaus your bank will check for your credit report for the loan/car lease or credit card application/limit.
Credit Score Vs Fico Score? Free Credit Score Vs Paid Credit Score?
Credit Utilization is a vital part and the most variable part for your credit report as it constitutes 30% of the total credit score.
Benefits of having great credit:
1. Better interest rates whenever you borrow money from the bank which can lead to you saving THOUSANDS of dollars.
2. Ability to obtain a car lease/loan
3. Ability to get a house
3 Different Credit Scores/Bureaus (Each calculates your score based on what is reported to them)
1. Experian (Best Bureau) - Every bank checks Experian Credit Report
2. Equifax
3. Transunion
2 Different Types of Scores
1. Vantage
2. FICO
FICO is better than a vantage score. Vantage is found on credit karma and other places where you can get your score for FREE.
*NEVER TRUST FREE CREDIT SCORES*
5 Factors That Make up your score
#1 - Payment History - 35%
#2 - Credit Utilization - 30%
#3- Length of Credit History - 15% (The longer you have been burrowing the better. Picture when you go to a bar and the bartender knows you and will let you run up a tab because they know you’re good for it, the same concept with credit history)
#4 - Types of Credit - 10% (Loans/Car Leases/Credit Cards/Mortgage. The more diverse, the better)
#5 - New Credit - 10%
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