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  • Credit Scores to Predict Behavior

    by Sally Maison
    Credit Scores to Predict Behavior

    Determination of credit scores is a difficult procedure that takes into account the past credit history to develop future predictions. This requires thorough analysis of information from credit bureaus for understanding the present position of the consumer. Not all data are crucial in this regard. Therefore, segregation of relevant data for predicting credit behavior in the future is required. In general, most people continue with their spending habits whether it is good or bad for years at a stretch. Building … (more) June 7, 2013

  • High Credit Score Homeowners Get Low Interest Rates from Bank of America

    by Sally Maison
    High Credit Score Homeowners Get Low Interest Rates from Bank of America

    The mortgage refinance rates for Bank of America (BofA) are nearly in their all-time low for the last two months of 2009. Unfortunately, many are not able to avail BofA’s low interest rates because they have a bad credit score. Even property owners who have equity in their homes will not be able to get the current record-low interest rates because they either have a poor or a subprime credit rating. Finance advisers say the only way homeowners can know … (more) December 16, 2009

Credit Score Tips

Repairing a damaged credit score isn’t like an error done with a pencil; is an eraser, put in the right answer then errors are corrected. With a credit score, you have to invest money, effort and time. And the worse thing about a real poor credit score is that it takes years before you can have your score as good as new again. In America alone, a large percent of consumers have felt a sudden drop in their credit scores … (more) November 15, 2010

Credit Score Advice

According to Fair Credit Reporting Act, credit reporting agencies and bureaus in America are required to provide your credit score at least once every 12 months. Since your credit score has a huge impact on your financial life, the law provides you the opportunity to review your report annually, without any cost. Your credit score determines how credit worthiness – whether you are eligible to get a loan or credit from bank or financial institution. If your credit score is … (more) November 18, 2013