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	Credit score - Wikipedia, the free encyclopedia
		A credit score is a number that represents an estimate of an individual's financial creditworthiness as calculated by a statistical model.
		Credit score is affected by recent inquiries made against one's credit report for the purpose of evaluating an applicant for creditworthiness, including insurance.
		The credit score is not affected by obtaining a copy of one's own credit report, nor by "promotional" inquiries made by direct marketers such as credit card companies who send out prescreened direct mail offers, nor by "account review" inquiries made periodically by your own financial institution to manage the ongoing risk of your account.
	en.wikipedia.org /wiki/FICO_score (3308 words)

	credit score
		One strength of credit scoring is that it has a dynamic component - no one bad aspect should totally sink you, just as one good aspect won't guarantee you credit.
		Also, your score is unaffected by lender inquiries into your credit report for purposes of making you a "pre-approved" credit offer, or for reviewing your account with them, even though these inquiries may show up on your credit report.
		The credit mix is generally not a key factor in determining your score - unless your credit report does not have a lot of other information upon which to base a score.
	www.sfs.uic.edu /uicfc/cgi-bin/creditscore.pl?campus=uic (1389 words)

	Experian \| Credit Score basics
		Scores are generated by statistical models using elements from your credit report, and sometimes from other sources, such as your credit application.
		Credit scores are fluid numbers that change as the elements in your credit report change.
		Scores may be different from lender to lender (or from car loan to mortgage loan) depending on the type of credit scoring model that was used.
	www.experian.com /credit_score_basics/credit_scores.html (640 words)

	How credit scores work, how a score is calculated (Page 1 of 3) (Site not responding. Last check: 2007-11-07)
		Your credit score is a number generated by a mathematical algorithm -- a formula -- based on information in your credit report, compared to information on tens of millions of other people.
		Credit scores are used extensively, and if you've gotten a mortgage, a car loan, a credit card or auto insurance, the rate you received was directly related to your credit score.
		If you have an existing credit card, the issuer is likely to look at your credit score to decide whether to increase your credit line -- or charge you a higher interest rate, according to a credit scoring study by the Consumer Federation of America and the National Credit Reporting Association.
	www.bankrate.com /brm/news/credit-scoring/20031104a1.asp?print=on (469 words)

	How Private Is My Credit Report?
		Credit decisions are, in fact, generally made based upon a number of factors that comprise a "score." Inquiries made in connection with your applications for credit may also be a factor in your score.
		The credit score is often called a "FICO." The most recent changes to the FCRA give you new rights to know your credit score as well as an explanation of the factors that determined the score.
		Some credit reporting agencies and investigation companies compile what is known as "investigative consumer reports." Such reports are defined under the FCRA as a "consumer report or portion thereof in which information on a consumer's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates.".
	www.privacyrights.org /fs/fs6-crdt.htm (4759 words)

	Credit Report Options :: Free Credit Score & 3 in 1 Credit Reports :: Credit.com (Site not responding. Last check: 2007-11-07)
		Your credit score is used by lenders, creditors, insurers, landlords and more to make decisions about what rates you deserve.
		If you will be applying for credit, believe you may be a victim of fraud, or are just curious, this is a great place to start and there are no obligations.
		Score Watch™ provides continuous monitoring of your Equifax Credit Report™ and FICO® score, notifies you when you may qualify for better interest rates, delivers alerts when changes to your score and report are detected, and shows you key factors affecting your FICO® score and how a lender views you.
	www.credit.com /products/credit-reports/credit-reports.jsp (571 words)

	Credit Score—Instant Credit Report—3 Bureau Credit Report (Site not responding. Last check: 2007-11-07)
		Your PLUS Score is calculated using a similar formula to those used by lenders, ranging from 330 to 830, with a higher score indicating lower credit risk.
		The PLUS Score allows you to know where you stand regardless of which scoring model may be used to assess your credit.
		Your PLUS Score is calculated as a three-digit number and uses a scale widely accepted by those in the lending industry, ranging from 330 to 830.
	www.icreditreport.com /cobrands/16/help1_6.asp (511 words)

	Credit score myths - May. 19, 2004
		For all of its importance, though, the credit score is also one of the most misunderstood aspects of personal finance, said Jeff Davis, a vice president with Credit Counseling Network in Fort Worth, Tex. "There was a time when people weren't aware of their credit score," he explained.
		Not knowing your credit score or the information behind it could be far more damaging, he added.
		Credit agencies are obligated to investigate credit inaccuracies within 30 days or remove disputed information, said Davis.
	money.cnn.com /2004/05/18/real_estate/buying_selling/creditmyths (774 words)

	Free Credit Report and Credit Score at ConsumerInfo.com, an Experian company
		A credit score is a three-digit number lenders and creditors use to determine a consumer's credit worthiness.
		A higher credit score could qualify an applicant for lower interest rates and better terms on a loan or credit card, which could translate into a savings of hundreds or thousands of dollars over the life of a loan or the duration of a credit card account.
		Credit scores are calculated based on the data in your credit reports.
	www.consumerinfo.com (813 words)

	Credit Scoring (Site not responding. Last check: 2007-11-07)
		Information about you and your credit experiences, such as your bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, and the age of your accounts, is collected from your credit application and your credit report.
		Because your credit report is an important part of many credit scoring systems, it is very important to make sure it’s accurate before you submit a credit application.
		Credit scoring models are complex and often vary among creditors and for different types of credit.
	www.ftc.gov /bcp/conline/pubs/credit/scoring.htm (1845 words)

	Experian: Credit Report and Credit Score, Credit Reports, Free Credit Check
		Get your Experian credit report and score plus learn about the factors that may affect your credit score.
		Know your credit score and what impacts it.
		Find out the difference between a credit report and a consumer disclosure — and how to purchase a copy of your disclosure.
	www.experian.com (316 words)

	Med Credit Score (Site not responding. Last check: 2007-11-07)
		Either way, good spending habits, smart use of credit and relentlessly Raise+your+credit+score+fast paying monthly obligations on time will burnish your FICO score over time and make you eligible for the best interest rates and lowest down payments available when you do need to take out a loan.
		We were told by a supervisor and realize that "certain people" in a rush of business can forget to tell all the details credit score under 500 loans of a situation.
		Most Floridians know their credit is either good or bad by the way they re treated when they buy a house or a car.
	dimsmir.t35.com /med/credit-score.html (708 words)

	Smartmoney.com: Now What?: Keeping Score
		If you've recently been denied credit, are unemployed and plan to apply for a job within 60 days, think you may be a victim of fraud or are on welfare, you're eligible for one free report per 12-month period from one of the credit bureaus.
		That's because 15% of your score is based on the length of your credit history, and that includes the age of your oldest account as well as the average age of your accounts.
		Also, most credit scores, regardless of where you pull them, now come with a personalized explanation of why your score is what it is, based on both your positive and negative factors.
	www.smartmoney.com /nowwhat/index.cfm?story=20020826 (2076 words)

	Help My Credit Score - Raise Your Mortgage Credit Score
		They are like the tobacco companies and have a monopoly on your credit -how they use it to maek them billions without you rpermission and their negligence in not following the law.
		Credit bureaus make it hard to dispute your report by not giving you online access for your legal right to a free copy.
		Credit bureaus do not validate your items on your credit, they merely "store" what they are given.
	www.helpmycreditscore.com (2565 words)

	Union Plus Money & Credit
		Score Watch™ - the only FICO score and credit report monitoring product on the market.
		Continuous monitoring of your credit file and score, notifies you when you qualify for better interest rates, delivers alerts when changes are detected in your score and report and shows you key factors affecting your FICO score and how a lender views you.
		A score is a "snapshot" of your credit risk at a particular point in time.
	www.unionplus.org /benefits/money/creditscore.cfm (649 words)

	Managing your credit score
		A soft inquiry is when a lender requests your credit report either prior to sending you an offer to extend credit or to monitor an existing credit relationship.
		Lenders don't like to approve credit applications by consumers who have maxed out their current credit sources but also have to consider the possibility that an applicant, with a large pool of credit available, will tap that credit resulting in larger monthly bills and a reduced ability to pay those bills.
		Getting a car loan or a mortgage is a little bit different from applying for a credit card, because car loans and mortgages are secured credits, meaning that the lender uses the car or the mortgage as security against the possibility that you don't pay the debt.
	www.bankrate.com /brm/news/drdon/20050818a1.asp (800 words)

	Credit Score (Site not responding. Last check: 2007-11-07)
		There is one universal credit scoring system used by every single credit union in the country.
		Your credit score updates annually, on April 1st, presuming there has been credit activity of some kind during the 12-month period.
		Numerous credit report inquiries can have a negative impact on your credit score.
	googolplex.cuna.org /18395/cnote/creditscore/start.htm?doc_id=null (622 words)

	Five ways to improve your credit score - Feb. 15, 2002
		Generally speaking, a credit score measures the likelihood you'll repay what you owe, and it is based on information in your credit report.
		There are two reasons to get your score from all three bureaus: First, each bureau may have slightly different information about you depending on which companies have reported to them on your accounts -- reporting is not mandatory and many companies will report more regularly to the bureau based in their region.
		TransUnion and Experian sell their own score brands, but spokesmen for the two bureaus say their scores are comparable to FICO scores in that any advice they give you to improve your score will apply to the FICO score as well.
	money.cnn.com /2002/02/15/debt/q_fivethings_creditscore (1127 words)

	Howstuffworks "How Credit Scores Work"
		We apply for credit for many reasons -- maybe it's to buy a new car, house, computer, or get a student loan.
		Your credit score is a three-digit number that can do just that.
		Your credit score boils down all of that information into a three-digit number.
	money.howstuffworks.com /credit-score.htm (157 words)

	Credit score - Wikipedia, the free encyclopedia
		Even incorrect neutral information may weigh negatively on your report.
		Many sources recommend filing disputes with bureaus through certified "return receipt" mail.
		AnnualCreditReport.com: Free Credit Report Mandated by FACT Act
	en.wikipedia.org /wiki/Credit_score (3308 words)

	FreeCreditReport.com - Free credit report, credit scores, online free credit reports, and more from Experian
		Getting your FREE Credit Report and Credit Score is the first step in knowing your credit.
		The applicant´s credit score will probably be used for figuring out whether he or she qualifies for credit, and if so, what terms and interest rates he or she will receive.
		Credit scores are calculated based on data in your credit reports and, as fluid numbers, change over time, sometimes on a daily basis!
	www.freecreditreport.com (532 words)

	Building a Better Credit Report (Site not responding. Last check: 2007-11-07)
		A: Credit scoring is a system creditors use to help determine whether to give you credit, and how much to charge you for it.
		Information about you and your credit experiences, like your bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, and the age of your accounts, is collected from your credit application and your credit report.
		If you've been told that you were denied credit because of an "insufficient credit file" or "no credit file" and you have accounts with creditors that don't appear in your credit file, ask the consumer reporting companies to add this information to future reports.
	www.ftc.gov /bcp/conline/pubs/credit/bbcr.htm (6336 words)

	Your Credit Score
		Your credit score is one of several factors lenders use when evaluating your application for credit.
		Only information in your consumer credit report that is proven to be predictive of future credit performance is used to determine your score.
		The amount of outstanding debt has less of an impact on your credit score than missing payments or other negative activity, but still plays a significant role.
	selco.org /credit/credit.score.asp (383 words)

	My Credit Score
		You are invited to take part in my credit score the next California Snapshot photo contest celebrating California's rich cultural and geographic diversity.
		Roberts, Scalia, Kennedy and my credit score Thomas; Go to Hell Apparently, Forrester thinks it's wrong for some government contractors to make campaign contributions, but OK for other contractors, such as himself.
		Detailed Disclosure of International Reserves as at end-June 2005 Analyzing NES data, McCarty found that in my credit score the elections of 1956 and 1960, respondents in the highest income quintile were hardly more likely to identify as Republicans than were respondents in the lowest quintile.
	trondold.tripod.com /my/credit-score.html (923 words)

	Credit Reports - Credit Cards - Help with Car & Home Loans - Credit.com (Site not responding. Last check: 2007-11-07)
		Read more about credit myths that can be a serious threat to your wallet.
		Read more about how having a credit card that doesn't report your credit limit can damage your credit score.
		Free credit report offers, credit reports from the three main credit bureaus, credit scores, debt analysis reports and more.
	www.credit.com (348 words)

	Improve My Credit Score
		From 50 or so a year ago, the number of their online journals is now about 200 and is expected to be near 1,000 by the year's end, say the bloggers themselves and experts who improve my credit score track the Web.
		It's one thing to say that your party improve my credit score needs to sharpen up its message on foreign policy.
		That's because Forrester is a prolific campaign contributor, and the company that made him a millionaire earns most of its money from "no-bid" government contracts.
	trondold.tripod.com /improve/my-credit-score.html (902 words)

	Free Credit Score, Credit Report Score Resources
		According to the Fair Credit Reporting Act you are entitled to a free copy of your credit report if you have been denied credit because of negative items on your credit report within 60 days of the request for credit.
		When you apply for credit, those lending you the money want to know if you are going to pay them back.
		They promise to andquot;cure your credit problems immediatelyandquot; or andquot;remove bankruptcies judgments and liens from your credit file FOREVER.andquot; They'll even offer to andquot;create a new identity for you.andquot; But when they do I suggest you run not walk the other way.
	creditscorebasic.info (872 words)

	What Is The Average Credit Score \| Encyclopedia Of Consumer Credit Law \| Loans With No Credit Check \| Computer Financing
		One of the first suggestions is to negotiate with your credit card company.
		A third suggestion is to get rid of all but one of your credit cards.
		A student loan consolidation loan may prove to be one of the best ways for recent graduates to reduce their debt load.
	www.svsaa.org /what-is-the-average-credit-score.htm (477 words)

	MSN Money - Credit Rating, Credit Score, Free Credit Reports
		The Credit Analyzer will evaluate the information you enter and estimate what your credit standing may be.
		Keep in mind that lenders typically use more sophisticated information including a credit score to make lending decisions, but the Credit Analyzer will give you a general idea of how your credit may look to lenders.
		How much of the credit limits on your credit cards do you carry as a balance?
	moneycentral.msn.com /investor/creditreport/main.asp (222 words)

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