By now you know that it’s a smart move to regularly review your credit report. You might wonder, though, which credit report is the best one to review or which one a creditor (or employer, or landlord) will see. You have many different credit reports In the U.S. there are…
90% of top U.S. lenders use FICO® Scores when making lending decisions When you apply for credit—whether it’s for a credit card, car loan, mortgage or other type of credit—lenders will want to know your credit risk. That is, they’ll want to know how likely you are to pay back your…
Ever wonder how a lender decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you’d be a good risk for credit cards, auto loans, and mortgages. These days, other types of businesses — including auto and homeowners insurance companies and phone…
