Real Estate Buying Guide
Volusia - Flagler - Palm Beach Counties
561-900-6363
Rich Delivers
Marketing & Web Content Specialist
Street Reporter & Journalist
E-Learning Course Design & Development
Degrees in Respiratory Therapy, Computer Technology, Radiologic Technology
Licenses in Real Estate, Respiratory Therapy, Marine, and Finance
Credit Score
FICO Score Model
Very Poor / Fair
300 - 579: 16%
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580 - 669: 17%
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Good
670 - 739
21%
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Very Good
740 -799
25%
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Exceptional
800 - 850
21%
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VantageScore Model
Very Poor / Poor
300 - 499: 5%
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500 - 600: 21%
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Fair
601 - 660
13%
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Good
661 - 780
38%
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Excellent
781 - 850
23%
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1.
FICO Score Factors:
Most influential: Payment history on loans and credit cards.
2.
Highly influential: Total debt and amounts owed.
Moderately influential: Total balances and debt
Less influential: Recent credit behavior and inquiries, available credit.
3.
VantageScore Factors:
Most influential: Payment history
Highly influential: Age and type of credit, percent of credit limit used
4.
Moderately influential: Total balances and debt
Less influential: Recent credit behavior and inquiries, available credit.
5.
Credit scores do not consider your age, your salary, occupation, title, employer, date employed or employment history.
6.
Where you live, your race, religion, sex, marital status.
There is No minimum credit needed to apply for a loan.
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7.
When married, credit is not merged. Joint accounts may appear on both of your credit reports, but your credit history will remain independent.