Common Questions
What are the benefits of credit scoring?
Credit reporting is essentially a good thing; for all parties. Before the use of credit reports, credit granting tended to be slow, inconsistent, and unfairly biased. Now credit reporting allows the common consumer a much higher standard of living and provides more protection to lenders by giving them a fast, objective evaluation of the risk you will be to them. Credit scores - especially FICO scores, the most commonly used credit bureau scores - have greatly improved the credit process.
Other benefits include:
- You can get loans faster
- Credit decisions are fairer
- Credit mistakes count for less
- More credit is available
- Credit rates are lower overall
(FICO is a registered trademark of Fair Isaac Corporation.)
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"In less than 60 days of working with you, our credit score has raised high enough to be able to qualify
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