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Complete a short form and see the names of up to 4
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TheLoanPage.Com
understands
the hassles and frustrations involved with
shopping for mortgages. Staffed with experienced
mortgage, internet, and marketing professionals,
they have combined knowledge and expertise in
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consumers in the search for competitive mortgage
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LoanApp.
Complete an easy online form and your loan request is sent securely to over a
thousand lenders in a few minutes and as many as four lenders or brokers, who
will contact you directly to bid for your business. Loanapp.com
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Lexington
is a law firm specializing in repairing credit reports. We have
helped over 80,000 Americans repair their reports by removing
inaccurate, misleading, or unverifiable items for them. From
bankruptcies to charge-offs to tax liens, we have challenged
virtually every credit problem under the sun — and deleted
over 600,000 such items to date. Lexington
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Your
Credit Score shown on your credit report is used by anyone loaning you money.
Credit card companies, home equity lenders, auto loan lenders and
finance companies all use a model created by Fair, Isaac and Co, the San
Rafael, California company that pioneered credit scoring 40 years ago and
dominates the field today. This score on your credit report is most often known as FICO and
serves as a snapshot of your credit history.
A low score on your credit report can raise the price of your loan and a very low score can
mean denial of your loan completely. Here are the approximate percentages
on your credit report
that determine your FICO Score.
Payment history (35%).
The largest factor determined on your FICO score shown on your credit
report is your basic payment
history. The number of unpaid bills you have, any bills sent to
collection, bankruptcies etc... The more recent the problem, the lower
your score.
Outstanding Debt (30%).
Are your cards maxed out?
High balances or more precisely, balances that are close to your credit
limit can negatively effect the score on your credit report. Keep your balances below 30%.
Length of your credit history
(15%).
How long have your accounts been open? The longer, the
better.
Recent inquiries (10%).
Every time you apply for credit of any kind, you create an inquiry on
your credit report. Lots of Inquiries negatively effect your score.
Types of credit in use (10%).
Current loans from finance companies. How many and how
much.
The score on your credit report will range between 300 and 870. The higher the better. As
your score increases, your credit risk decreases. Exact numbers differ by
lending institution but the average high approval score is 680 or above.
Often times your score is taken from all three credit reporting companies
and the middle score or average score is used.
Depending on the lending institution, your score can cost you. Some
lenders will charge a higher interest rate if your score is below 600
When you apply for credit your score does not come directly from FICO.
Instead each bureau has its own version of the rating system with its own
name.
Equifax is called Beacon
Trans Union is Empirica
Experian is Experian/Fair Issac
A score shown on your credit report of 680 or above can save you money, especially for home
loans. If you are considering a significant loan you will want to be sure
to check your credit reports first. If negative items appear on your
report you have two choices. Live with it for 7 to 10 years or dispute
these items.
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Disclaimer:
The information provided on these pages has been given in
good faith and it is believed to be true and accurate. However we can offer no
guarantee and/or warranty, expressed or otherwise, to the accuracy of any
information or the performance or suitability of any products found within the
website. We will not be held liable whatsoever for any direct or consequential
loss or damages resulting from advice given or products purchased, and we
strongly suggest that you carefully read the Terms and Conditions statement that
accompanies the applications.
Furthermore, We may contain links to other websites
throughout the Internet, any links to such sites are operated and/or owned by
third parties. We cannot be held liable for any inaccuracies of these links,
availability of information, and/or the content of information that may be found
within third party websites.
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PremierEquity
offers one
of the best forms of financing available for homeowners - a home equity
loan with competitive rates on second mortgages and home equity lines of
credit up to 125% of the value of your home.
PremierEquity.com
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Debt Consolidation and credit counseling services will reduce your
interest
and
help in making your payments quickly and conveniently so that
you never say
get
me out of debt. Free consolidation analysis also available.
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