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Credit Knowledge

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Credit Scores

  • 579 or less = Poor

  • 580-669 = Fair

  • 670-739 = Good

  • 740-799 = Very Good

  • 800 or more = Excellent

Three Credit Bureau Agencies

  • Transunion - 1-800-916-8800

  • Equifax - 1-888-378-4329

  • Experian - 1-888-397-3742

Things that Affect Your Credit Scores

  • Inquiries

  • Late Payments

  • Collections

  • Bankruptcy

  • Mortgage/Foreclosure

  • Charge Off

  • Medical Collections

  • Repossessions

  • Tax Lien

Credit Tips

  • Don't run your credit because if you do, it will be 7-15 points deducted from your credit score

  • Don't make late payments because if you do, it will be 40 points deducted from your credit score

  • The negative accounts in your credit report that are currently there do not have to continue to affect your credit scores. You can also establish credit so you can raise up your credit scores to buy the house or car with less interests and get approved for the loan/credit card that you need for your financial goals. Call me at (281)830-7257 today to schedule a consultation to establish your credit scores and get higher results!

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