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Susie McBride

Susie McBride

Licensed REALTOR® in the State of Missouri
RE/MAX Best Choice
Bonne Terre, MO 63628

573-631-0973
Contact Me

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Your Credit Score

How is your Credit Score Formulated?

In today's increasingly automated society, it should come as no surprise that when you apply for a mortgage, your ability to pay can be reduced to a single number. 

All three of the major credit reporting agencies (Equifax, Experian, and TransUnion) use a slightly different system to arrive at a score. The best known is called the FICO score, based on a model developed by Fair Isaac and Company and used by Experian. 

Data that is considered in formulating your credit score: Credit History (how long have you had credit?); Payment History (do you pay your bills on time?); Credit Card Balances (how much do you owe on how many accounts?); and Credit Inquiries (how many times have you had your credit checked?) 

Each of these, and other items, are assigned a value and a weight. The results are added up and distilled into a single number. FICO scores range from 300 to 800, with higher being better. Typical home buyers likely find their scores falling between 600 and 700. If your score is under 500, you will need to do some credit repair before you can plan to buy a home. 

It is very important to get pre-qualified for a loan BEFORE you start looking for a home to buy. Send me an e-mail with your name and address and I will be happy to mail you a FREE brochure giving a list of different lenders in the Mineral Area. There is no obligation. 

What's Your Score?

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FREE Credit Report

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5 ways to Raise your FICO Credit Score Today

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Susie McBride | 573-631-0973 | Contact Me
Office:  573-358-9036
1599 St. Francois Rd, Suite C - Bonne Terre, MO 63628
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