利用者:Creditisbest55

Every credit report/score is unique, and criteria for approval can differ as well. Creditor guidelines may vary per bank, per product and per applicant. A banks decision could use one, some, or all of the following: ?Score ?Utilization (how much used) ?Length of accounts ?Inquires ?Income (may include pay-stubs and tax statements) ??Backbone? A less considered piece of information on your credit report is your ?backbone.? Meaning being able to prove you can pay your debt. This is similar to staying current (which is obviously important), but paying the account down to $0 as well. This may make or break getting an approval regardless of scores, etc? Sure you have positive accounts on your report, owe nothing, always current ? but ? how does the bank know you can handle debt? Say you have a $1500 limit on a credit card and the balance is $0, that?s great! HOWEVER you?ve only carried a statement balance of $200 (highest). Well, how does the bank know you can handle a $5000 line? Or a $30,000 auto loan? Or a $400,000 mortgage? They don?t. And it may be the reason for your application being denied. Now what if you carried a statement balance of $1300 out of the $1500 and paid that down to $0? Well? It helps to prove you can handle what is given to you, and it provides a ?backbone? to your profile. When it comes to credit, every little bit helps.

http://creditimpress.com/