Credit repair companies - Deepstash
What Is Opportunity Cost

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The impact of opportunity cost on personal and professional life

Evaluating the benefits and drawbacks of different choices

Understanding the concept of opportunity cost

What Is Opportunity Cost

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Credit repair companies

Common factors that could damage your credit score are negative items, such as bankruptcies, foreclosures, late payments, high credit utilization, and credit inquiries from potential lenders.

Some people employ the services of credit repair companies to dispute incorrect or fraudulent credit items on your behalf, but the outcome is not guaranteed.

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Credit scores are different from credit reports

A credit report documents your credit history, your current status of accounts and payments, and when companies have pulled your report when you've applied for credit. A credit report is the source of your credit score.

It is vital to keep an eye on your reports and notice...

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The reason for different scores

Mortgage lenders usually use FICO scores to determine one's ability to pay them back. Since the three credit bureau scores are different, some banks look at all of them to get an average, or tri-merge, score.

Two common factors in determining your creditworthiness are timely pa...

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Factors that make up your credit score

  • Late or missed payments will drive down your credit score and remain on your record for seven years.
  • Credit utilization is the percentage of available credit you're currently using. If you use more than 30% of your available credit, scorin...

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The history of the credit scores

Bill Fair and Earl Isaac developed credit scores in the 1950s to create a standard system to measure credit. They called it Fair, Isaac, and Company, known as FICO. Another credit score is the Vantage Score.

Both FICO and Vantage Score bas...

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The credit score

The credit score

It is a three-digit number that lenders use to assess your creditworthiness and your ability to pay your bills on time.

  • The score ranges between 300 and 850.
  • The higher the score, the more creditworthy you are, and the more likely lenders wi...

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195 reads

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The reason for different scores

Mortgage lenders usually use FICO scores to determine one's ability to pay them back. Since the three credit bureau scores are different, some banks look at all of them to get an average, or tri-merge, score.

Two common factors in determining your creditworthiness are timely pa...

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