Some Cheap Date Night Ideas So you can save that money!!!To save some $$$1. Make Homemade Pizza Together2. Create Cocktails at home3. Give massages to each other4. Lay a blanket outside and star
Different Types Of Credit How They Impact Your FICO Score
Different Types of Credit / How They Impact Your FICO Score
Good credit, bad credit, large credit, small credit — after a while, building credit can feel like the ‘Impossible task’.
With so much information out there about how to improve credit, we’re here to set the record straight.
The fact of the matter is not all credit is the same, and it’s important for informed consumers to have a grasp on all the different kinds of lending before taking out a loan. For example, do you know the various factors that go into calculating your credit score?
YourFICO score is calculated by five different factors:
Payment history (35 percent) — The most important factor. Indicates any late or missing payments.
Level of debt (30 percent) — Credit utilization is another major factor, which is the ratio of your credit balance vs credit limit.
Age of credit (15 percent) — How long your accounts have been open.
Inquiries (10 percent) — The number of credit-based checks you did in a 12-month period.
Types of credit (10 percent) — Lenders will look to see if you have experience with a diversity of loans.
Now that you know how this is Calculated you can better work on your credit!
For More Help On your Credit
Contact Ann Norton 330-412-9799
or Josh Twitchell 330-412-7413 today
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