Does consolidating credit card debt mean


09-Oct-2017 01:54

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Simply put, your credit score takes into account all that information and assigns you a number within a certain range.Higher is better, indicating that you are less of a credit risk.In the United States, a small number of companies, called “credit reporting agencies,” are in the business of collecting information about your financial behavior.They do this by exchanging information with companies that offer financial items, such as loans, credit cards, and so forth.This three-digit number is based on the information in your credit report.Your credit report details how you’ve used credit in your lifetime, including whether you’ve paid bills on time, the amounts you currently owe, and how long you’ve had each account.

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A good credit score can make your life much, much easier than if you have a bad credit score.That said, there are still some general guidelines, particularly since the two largest companies, FICO and Vantage Score, use the same overall point range of 300-850.We tend to trust consumer credit expert John Ulzheimer’s more practical breakdown above, where bad credit is a score under 650 and excellent credit is anything above 760.You’ve known two of them for years: one is as trustworthy as can be, and the other one is the biggest backstabber and scoundrel you’ve ever known. Now, let’s say you’re a bank and three people come in and ask for a loan.

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You’re going to want to have some way to determine who is the trustworthy person (whom you would to lend money to), the unknown person (whom you would cautiously loan money to), and the rogue (whom you wouldn’t want to loan money to at all).

As if that isn’t enough, 30% of women and 20% of men say they would refuse to marry someone with bad credit — so a good credit score may even help you get hitched.