Falls Church police want to talk to him after a sex assault. Veterans Day ceremony. Tags: credit ratings credit score credit scores fico jeff clabaugh lending tree LendingTree. Report finds military services still ill-equipped to investigate, prosecute sex crimes.
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The information on this site does not modify any insurance policy terms in any way. Just getting your credit score over , officially an excellent credit score , gives you the same advantages and benefits that come with a perfect credit score. Experian reports that 21 percent of all consumers have achieved excellent credit, compared to just 1.
Banks and credit card issuers will be eager to loan you money, often at very favorable terms. Is a good credit score? If you have an FICO score, you have an extremely positive credit history.
There are no missed payments or credit utilization issues to lower your credit score from its exceptional ranking. In short, you are the ideal credit consumer—responsible, financially savvy and unlikely to default on your credit obligations. In addition to receiving all of the perks that come with having good credit , there are some additional credit score benefits that you should be aware of.
In many cases, these are the same benefits that people with very good or excellent credit scores receive—but they might be a little bit better due to your exceptional credit score. One of the biggest perks of having an credit score is access to better credit offers. People with a credit score over are also likely to be accepted for other lines of credit, including personal loans , car loans and mortgages. Not only will most banks and credit issuers be eager to loan money to a person with a near-perfect credit score, but the terms of the loan will often be more favorable than the terms offered to people with lower credit scores.
If you already have a loan or mortgage, consider refinancing your loan after you achieve your credit score. Another benefit of having an credit score is access to higher credit limits. Not only do higher credit card limits increase your purchasing power, but these high limits also make it easier to maintain a low credit utilization ratio—which in turn will help you maintain your near-perfect credit score. Personal Finance. LendingTree Paid Partner. CNNMoney Sponsors. SmartAsset Paid Partner.
These are your 3 financial advisors near you This site finds and compares 3 financial advisors in your area Check this off your list before retirement: talk to an advisor Answer these questions to find the right financial advisor for you Find CFPs in your area in 5 minutes. NextAdvisor Paid Partner. If you live in a state that allows credit-based insurance, an credit score could get you a discount on your homeowners insurance or auto insurance premiums.
Once you achieve an credit score, your work is far from finished. This means monitoring your credit score and reports often, keeping your credit utilization low and paying your bills on time. Jerry Brown is a personal finance writer based in Baton Rouge, La.
He's been writing about personal finance for three years. Financial products he enjoys covering include credit cards, personal loans, and mortgages.
Jordan Tarver is the assistant editor for loans at Forbes Advisor. Before joining Forbes Advisor, Jordan was an editor and writer for multiple finance sites, focusing on loans, credit cards and bank accounts.
His goal is to create actionable content that enables people to make sound personal financial decisions. When he is not working on personal finance content, Jordan is a self-help author and world traveler who helps people experience the world and discover themselves. Select Region. United States. United Kingdom. Jerry Brown, Jordan Tarver. Contributor, Editor. Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations.
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