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Money版 - Top 5 Credit Score Myths
相关主题
转载一篇非常好的基础文章。是不是应该考虑关卡呢?
【credit utilization】有一张很久以前的BOA学生卡是否应该主动要求关闭?
请教如何在半年内提高CREDIT SCORE现在哪还有免费的credit score可以查?
信用卡借钱direct deposit会影响信用分数吗UA 的卡没申到,想申一个delta的amex卡
3 种 credit scores有什么不同?credit karma 有人用过这个免费查credit score么?
关卡的问题 有包子Credit Score & CreditKarma?
查到了,fico分数只有747,什么原因啊(图)求达人解:C1减信用记录一事到底是真是假
这个都影响Credit Score啊?三个月以后买房如何增加credit score
相关话题的讨论汇总
话题: score话题: credit话题: your话题: myth话题: loan
进入Money版参与讨论
1 (共1页)
g****n
发帖数: 2324
1
FYI, from Yahoo finance
With the arrival of the New Year, and interest rates still very attractive,
you may find yourself shopping for a new loan or applying for a new credit
card. The process will likely include coming face-to-face with your FICO
credit score — a number between 300 and 850 that determines how good of a
borrower you really are. We know that, in general, the higher your score,
the lower your interest rate may be on a loan product. But the world of
credit scoring can be quite confusing and there are a number of popular
misconceptions about what actually impacts your score.
If you plan to boost your score this year with the hopes of taking advantage
of super low rates, take into account these popular credit score myths.
Myth #1: Closing a card after paying off a massive debt load is a fine idea.
While it may feel good to kiss that card goodbye, it's not necessarily a
smart move. Closing a credit card account may actually increase what's known
as your debt-to-credit utilization ratio, which is the sum of all your
outstanding credit card debt divided by the sum of all your credit card
limits. A higher utilization is considered risky by credit score calculators
and can potentially ding your score — in the wrong direction. To earn the
highest score, try to use no more than 10 percent of all your available
credit.
Myth #2: Your employment history impacts your score.
This isn't true, yet more than half of consumers surveyed believe having a
steady job track record improves a credit score. Of course, having a job
helps you to qualify for a loan, but it's not factored into your credit
score.
Myth #3: Financing a big purchase — like a new home or car — will lower
your score.
False. Your score won't be affected for simply taking on a new loan like a
mortgage or car loan. Actually, having a variety of credit cards and loans—
and managing them responsibly—can help boost your score. In fact, about 10
percent of your FICO credit score is dependent on the "types of credit used."
Myth #4: The older you are, the higher your score.
While it's true that the length of your credit history factors into your
credit score, it doesn't take into account your age. The important thing to
note is that the earlier in life you establish credit and, again, manage it
responsibly by paying your bills on time and having low balances, the better
for your score in the long run.
Myth #5: Checking my score will lower my score.
This is a huge misconception. But the truth is, looking up your own score
yourself is totally harmless. In fact, it's recommended that you check your
scores yearly from each of the three major credit reporting agencies:
Experian, Equifax and TransUnion. On the other hand, if a lender or credit
card company checks your credit score, it's likely recorded as a "hard"
inquiry and may work against you if you have multiple financial institutions
checking your credit. One exception is if you're shopping around for a
mortgage or car loan and receive multiple credit inquiries from lenders
within a short time frame. All the inquiries in this case will typically
count as just one inquiry and should do little to no harm on your credit
score.
j*a
发帖数: 14423
2
昨天我在yahoo看过这个

,
advantage

【在 g****n 的大作中提到】
: FYI, from Yahoo finance
: With the arrival of the New Year, and interest rates still very attractive,
: you may find yourself shopping for a new loan or applying for a new credit
: card. The process will likely include coming face-to-face with your FICO
: credit score — a number between 300 and 850 that determines how good of a
: borrower you really are. We know that, in general, the higher your score,
: the lower your interest rate may be on a loan product. But the world of
: credit scoring can be quite confusing and there are a number of popular
: misconceptions about what actually impacts your score.
: If you plan to boost your score this year with the hopes of taking advantage

1 (共1页)
进入Money版参与讨论
相关主题
三个月以后买房如何增加credit score3 种 credit scores有什么不同?
急问。如果信用额度还有4900.刷4800是不是不太好关卡的问题 有包子
4张卡过几个月要收年费了,关卡伤credit吗?查到了,fico分数只有747,什么原因啊(图)
晕了,credit score...这个都影响Credit Score啊?
转载一篇非常好的基础文章。是不是应该考虑关卡呢?
【credit utilization】有一张很久以前的BOA学生卡是否应该主动要求关闭?
请教如何在半年内提高CREDIT SCORE现在哪还有免费的credit score可以查?
信用卡借钱direct deposit会影响信用分数吗UA 的卡没申到,想申一个delta的amex卡
相关话题的讨论汇总
话题: score话题: credit话题: your话题: myth话题: loan