Helpful Information that can change your life
Credit scores are used by most lenders. They’re important to have if you ever decide to purchase a home, a car, or even open your own business. Potential employers or landlords, as well as cell phone and utility companies, may look at your score to determine whether to do business with you. Credit scores can range anywhere from 300 to 850. The higher your score, the more money you can typically borrow and the less you have to pay for a loan. Any score under 620 is considered “high risk.” Bankruptcy, late payments or referrals to collection agencies can all affect your score negatively and this information can remain on your credit score for seven years. To increase your score, pay your bills in a timely manner and pay your credit card balance off each month.
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