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Do You Know What’s in Your Credit Score?

credit-score-logoCredit scores are calculated from different credit data in your credit report. The most common credit-scoring system was developed by the Fair Isaac Corp.(FICO) and is used by major credit bureaus to evaluate your credit history. The system considers factors like how many credit cards you have and how quickly you pay your bills, and assigns you a rating between 300 and 850.

Two of the most important factors affecting your score are your payment history and whether you’ve had any collections. Other factors include amounts owed, types of credit used and length of credit history.

According to FICO whose credit score represents an industry standard, raising one’s score from 550 to 720 produces a savings of $131,000 over the life of a 30-year mortgage. Nest are some helpful hints in raising your credit score.

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