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Boost A Credit Score To Cut Loan Rates; Scoring Rules Are Key; Get lower interest rate by paying off balances, fixing errors on report.(FUNDS & PERSONAL FINANCE)(FINANCIAL PLANNING)
Byline: PAUL KATZEFF
If you apply for a loan or credit card this year, the terms you get will hinge largely on your credit score.
Lenders use the score in deciding whether to let you borrow money and at what interest rate.
The Fico score is used on 75% of all U.S. credit applications, says its creator, software firm Fair Isaac. The score is compiled by credit bureaus, and listed on credit reports.
Scores range from 300 to 850.
"It's up to each lender to decide what threshold to use," Nicholas said. "Generally, a good borrower has to score above 700. A score below 620 can help put them into the subprime lending category. That means they don't qualify for a traditional conforming loan at the best interest rates."
The lower a score is below the subprime threshold, the higher the interest rate is likely to be on a loan, Nicholas says.
- Helena Bonham Carter Joins the All-Star Cast and Nicholas Hooper Signs on to...
- Press release article from: PR Newswire Europe August 2, 2006 700+ words
...Death Eater, who is one of Lord Voldemort's followers. It has also been announced that composer Nicholas Hooper will create the film's score, reuniting him with director David Yates for whom he has scored multiple film and television projects...
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- Press release article from: Business Wire August 2, 2006 700+ words
...Death Eater, who is one of Lord Voldemort's followers. It has also been announced that composer Nicholas Hooper will create the film's score, reuniting him with director David Yates for whom he has scored multiple film and television projects...
- Nicholas going out in style for Terrapins.(SPORTS)
- Newspaper article from: The Washington Times February 25, 2003 700+ words
...getting to the foul line," Nicholas said. "I know a lot of people...Opponents now can't rush at Nicholas on a 3-point attempt without...For as many points as he scores, he doesn't force it as much." Blake regularly has found Nicholas on the fastbreak. Nicholas...
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- Newspaper article from: Seattle Post-Intelligencer (Seattle, WA) Moore, Jim July 14, 1997 700+ words
...end up at 275, a score that would have been...Opens ever played. Nicholas, 35 ((age...not rooting against Nicholas; they just weren...roar went up when the score was posted by the 18th green. But Nicholas, an enduring sort...
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- Newspaper article from: The Washington Times March 13, 2003 700+ words
...don't need Drew to score 40 points a game for...him to make shots." Nicholas has been plagued by comparisons...spot shooter in relief. Nicholas learned to score inside so defenders wouldn...continue to the basket. Nicholas also finished with a...
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- Newspaper article from: The Post-Standard (Syracuse, NY) October 3, 2009 700+ words
...Ditota Staff writer Take Nicholas Thompson's word for...posting his impressive score in Upstate New York...not play the sport. Nicholas, 26, was the first...Scott Thompson told Nicholas the golf course was soft and ripe for low scores. Alexis Thompson became...
- Melrose Jewelers (http://www.MelroseJewelers.com.au) Announces the 2008...
- Press release article from: PR Newswire July 5, 2008 700+ words
...Purchased: Lady Rolex Presidential Quality Score: 94 Authenticity Disclosure Score: 95 2) Nicholas Hacko Fine Watches clockmaker.com.au Watch...Purchased: Two Tone Mens Rolex Datejust Quality Score: 93 Authenticity Disclosure Score: 95 3...
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- Press release article from: PR Newswire June 11, 2008 700+ words
...Purchased: Lady Rolex Presidential Quality Score: 94 Authenticity Disclosure Score: 95 2) Nicholas Hacko Fine Watches clockmaker.com.au Watch...Purchased: Two Tone Mens Rolex Datejust Quality Score: 93 Authenticity Disclosure Score: 95 3...