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1 Data from myFICO’s What Is a FICO Rating? as of October 5, 2023: https://www.myfico.com/credit-education/what-is-a-fico-score
2 Data from LendingPoint’s Eligibility Standards as of October 5, 2023: https://www.lendingpoint.com/eligibility-criteria/
3 Data from Wells Fargo’s What Is a Good Debt-to-Revenue Ratio? as of October 5, 2023: https://www.wellsfargo.com/goals-credit/smarter-credit/credit-101/debt-to-income-ratio/understanding-dti/
4 Data from Experian’s 5 Private Mortgage Charges to Watch Out For as of October 5, 2023: https://www.experian.com/blogs/ask-experian/personal-loan-fees-you-should-watch-out-for/
5 FICO® Scores are developed by Truthful Isaac Company. The FICO Rating supplied by ConsumerInfo.com, Inc., additionally known as Experian Client Providers (“ECS”), in Experian CreditWorks℠, Credit score Tracker℠ and/or your free Experian membership (as relevant) is predicated on FICO Rating 8, except in any other case famous. Many however not all lenders use FICO Rating 8. Along with the FICO Rating 8, ECS might supply and supply different base or industry-specific FICO Scores (similar to FICO Auto Scores and FICO Bankcard Scores). The opposite FICO Scores made obtainable are calculated from variations of the bottom and industry-specific FICO Rating fashions. There are a lot of totally different credit score scoring fashions that may give a distinct evaluation of your credit standing and relative danger (danger of default) for a similar credit score report. Your lender or insurer might use a distinct FICO Rating than FICO Rating 8 or such different base or industry-specific FICO Rating, or one other sort of credit score rating altogether. Simply do not forget that your credit standing is usually the identical even when the quantity isn’t. For some customers, nonetheless, the credit standing of FICO Rating 8 (or different FICO Rating) may differ from the rating utilized by your lender. The assertion that “90% of high lenders use FICO Scores” is predicated on a third-party research of all variations of FICO Scores bought to lenders, together with however not restricted to scores based mostly on FICO Rating 8. Base FICO Scores (together with the FICO Rating 8) vary from 300 to 850. Trade-specific FICO Scores vary from 250-900. Increased scores characterize a larger probability that you’re going to pay again your money owed so you’re considered as being a decrease credit score danger to lenders. A decrease FICO Rating signifies to lenders that you could be be the next credit score danger. There are three totally different main credit score reporting companies — the Experian credit score bureau, TransUnion® and Equifax® — that preserve a file of your credit score historical past often known as your credit score report. Your FICO Rating is predicated on the knowledge in your credit score report on the time it’s requested. Your credit score report info can differ from company to company as a result of some lenders report your credit score historical past to just one or two of the companies. So your FICO Rating can differ if the knowledge they’ve on file for you is totally different. Because the info in your report can change over time, your FICO Rating may change.Credit score rating calculated based mostly on FICO® Rating 8 mannequin. Your lender or insurer might use a distinct FICO® Rating than FICO® Rating 8, or one other sort of credit score rating altogether. Study Extra
6 Data from the Federal Commerce Fee’s In FTC Research, 5 % of Shoppers Had Errors on Their Credit score Stories That Might Lead to Much less Favorable Phrases for Loans as of October 5, 2023: https://www.ftc.gov/news-events/information/press-releases/2013/02/ftc-study-five-percent-consumers-had-errors-their-credit-reports-could-result-less-favorable-terms
7 Data from myFICO’s How Are FICO Scores Calculated? as of October 5, 2023: https://www.myfico.com/credit-education/whats-in-your-credit-score
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