Iam Sure That You Dont Know About This – 3 Things You Don't Know About Your Credit Score

Yet, if you’re like many Americans, just knowing that you have a credit score may be just about all that you know. This is a bad situation, and you need to fix it, sooner than later.

“Why?” you ask. Well, your FICO score is, for better or worse, like your financial DNA. So, while you hopefully know that you have a credit score, you may not know just how important that score is to your life and livelihood. Unlike DNA, however, your score isn’t a number that just takes care of itself. No, you need to take care of it.

Here are just three reasons for making sure that you do.

Your credit score is somebody else’s business.
That’s right: big business. Your score is at the mercy of three privately owned mega corporations, whose business is rating you and your creditworthiness. In fact, it is these companies, or credit bureaus, that create your score in the first place. The “big three” of these national credit bureaus are Experian, Equifax, and TransUnion. This credit – or FICO – score that they assign you ranges anywhere from 300 on the low side to a perfect 850 on the high one.

Bad credit is expensive.

Your credit score can cost you hundreds of thousands of dollars in extra fees if it is less than excellent. You may have heard the saying, “Buy with cash, pay once; buy with credit, pay three times.” This refers to interest, or the cost of borrowing money. There are many other potential costs to bad credit, however. This can lead to hundreds and even thousands of dollars spent on higher premiums for your auto and home insurance.

Background checks aren’t all that potential employers pull.

Your credit score affects your ability to get a job. That’s right: your estimated ability to repay borrowed money (i.e., debt) also can be used to assess your fittingness for a specific kind of job. Although legislation has been introduced to limit the access of prospective employers to your credit score, these are just limitations, not universal exclusions.

Knowledge is power!

Hopefully, you’ve seen by now that your credit score is a big indicator of your financial health. Ignoring a low score won’t make it go away. However, proactively taking the proverbial credit bull by the horns and working at restoring or just raising your credit score is something that anyone can do. You just have to put your mind to it.

Smart Tips – 4 Consequences of Having an Overdue Credit Account

If you’ve ever made a late payment, you’re not alone. According to the National Foundation for Credit Counseling, roughly 1 in 4 adults don’t always pay their bills on time.

Many Americans struggle with making payments on time in their 20s and 30s, and sometimes this habit can extend far past those age groups. Having an overdue credit account can be damaging to your credit score and to your wallet.

Late Fees

Late payments often results in late fees. Additionally, if you’re near or at your credit limit sometimes a late fee can result in causing your credit account to go over its limit. This can often be more damaging than a late fee to an overdue credit account. Making your payments on time will help you avoid going over your credit limit and also keep more money in your pockets. Late fees are incredibly expensive, costing anywhere from $25 to even a percentage of the balance on your overdue credit account.

Increased Interest Rates

If you miss a payment, sometimes your interest rate can increase. This unintended consequence can cost you thousands depending on the balance on your overdue credit account. The average interest rate for a credit card in the US is 16.05 percent, if you make a late payment your interest rate could easily double. Imagine paying over 30 percent interest on a bill you’re already having trouble paying. This could also raise your balance over its limit costing you even more money.

Lower Credit Score

The heaviest factor in your credit score calculation is your payment history accounting for 35 percent of your total score. It’s also the fastest way to improve or damage your credit score. Even one late payment can drop your score several points, which could come with the consequence of higher insurance rates, being denied for a mortgage or auto loan and even being disqualified for a new job. Another thing to think about is the fact your credit utilization accounts for 30 percent of your overall score. If you’re using more than 30 percent of your overall available credit this could also drastically reduce your score. I know from experience, I was at 32 percent utilization and paid it down to 28 percent. My score went up 31 points by reducing my utilization rate by just four percent.

Account Closure

In cases where you are 60-90 days overdue on your credit account, the creditor could choose to close your account and turn you over to collections. Depending on the type of credit account this could be a serious issue causing a foreclosure on your home a repossession of your vehicle. This is extremely damaging to your credit score and your ability to secure financing in the future.

The best advice I can give you is to call your creditor when you think your payment is going to be late. Sometimes they’ll offer you a grace period or a payment plan to help you get current and stay current on your payments. Life happens and sometimes unexpected situations arise that cause you to make a late payment. Communication is key. Most creditors will appreciate your honesty and work with you.

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