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The power of FICO:
“Here’s how Pete got punished. Without warning, the credit card companies slashed his credit limits. This even though he kept up his payments as he always had. With lower limits, his card balances instantly shifted from making up 20 percent of his available credit to 80 percent. Suddenly, Diebel looks like a guy who’s living off his plastic. His FICO score dropped 10-points [sic]. That may sound miniscule on a scale of 300 to 850, but it could translate into thousands more in interest payments.” from Pete Deibel of Winter Park, FL
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Your FICO score (developed by the Fair Isaac Corporation) determines what interest you pay on credit cards, student loans and mortgages. It may also determine if a landlord will rent, if you can get a cell phone or if you get that job you just apply for. The FICO score was designed to give lenders a fast accurate prediction of the risk involve in giving the potential borrower a loan but the way it is used today may impact every aspect of your life. Scores range from 300 to 900 with the vast majority of people falling between 600 and 700. The higher the score, the better. A very good FICO score usually falls in the mid-700s. Get your FICO score at www.myfico.com
Websites that can offer a credit check up similar to the FICO credit score:
Credit Karma Their goal is to help you understand your credit and get more out of it. Along with providing free credit scores, reports and monitoring, they offer insight into what it all means and show you product recommendations, like credit cards and loans, based on your credit profile.
Credit Sesame can be very effective for gaining regular access to your credit information at no cost. If you’re about to apply for credit, you certainly don’t want to depend on your credit score as absolute.
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QUOTES:
"💳️ The Credit Score Game: What Actually Matters? The term “credit score” elicits some extreme reactions. Some people have gamified the system, checking Credit Karma multiple times per week and obsessing over tiny changes. Others roll their eyes, have no idea what their score is and have zero interest in thinking about it. Should you care about your credit score if you’re not trying to borrow money for a house or car? It will affect your homeowners and auto insurance rates, Clark says. And it matters to some employers – although they often care about your credit standing, not necessarily your score. If you’re one of those people who are ultra-fascinated by your credit score – or even ultra-stressed – Clark says you can probably narrow your focus two factors: on-time payments and credit utilization. Those make up about two-thirds of your score, he says. Make sure you never miss a monthly payment. And keep the amount of your total credit you’re using below 30% (or 10% if you want true credit score greatness). In case you haven’t read our story, Clark says achieving a 760 score will get you almost all the benefits you need." Clark Howard
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