Real Estate in San Diego

CITIES SERVED:

Pala - 92059

Palomar Mountain - 92060

Pauma Valley - 92061

Poway - 92064

Ramona - 92065

Ranchita - 92066

Rancho Santa Fe - 92067

San Marcos - 92069

Santa Ysabel - 92070

Santee - 92071

Solana Beach - 92075

San Marcos - 92078

Vista - 92081

Valley Center - 92082

Vista - 92083

Vista - 92084

Warner Springs - 92086

Rancho Santa Fe - 92091

La Jolla - 92093

Downtown San Diego - 92101

San Diego - 92102

Mission Hills - 92103

North Park - 92104

East San Diego - 92105

Point Loma - 92106

Oceanside - 92107

Mission Valley - 92108

Pacific Beach - 92109

Old Town San Diego - 92110

Linda Vista - 92111

Logan Heights - 92113

Encanto - 92114

San Diego - 92115

San Diego - 92116

Clairemont - 92117

Coronado - 92118

San Carlos - 92119

Del Cerro - 92120

Sorrento Valley - 92121

University City - 92122

Mission Valley - 92123

Tierrasanta - 92124

Mira Mesa - 92126

Rancho Bernardo - 92127

Rancho Bernardo - 92128

Rancho Penasquitos - 92129

Carmel Valley - 92130

Scripps Miramar - 92131

Paradise Hills - 92139

Miramar - 92145

Otay Mesa - 92154

San Diego - 92155

San Diego - 92161

San Ysidro - 92173

Murrieta - 92562

Murrieta Hot Springs - 92563

Murrieta - 92564

Menifee - 92584

Temecula - 92589

Temecula - 92590

Temecula - 92591

Temecula - 92592

Temecula - 92593

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CITIES SERVED:

Alpine - 91901

Bonita - 91902

Boulevard - 91905

Campo - 91906

Chula Vista - 91910

Chula Vista - 91911

Chula Vista - 91913

Chula Vista - 91914

Chula Vista - 91915

Descanso - 91916

Dulzura - 91917

Guatay - 91931

Imperial Beach - 91932

Jacumba - 91934

Jamul - 91935

La Mesa - 91941

La Mesa - 91942

Lemon Grove - 91945

Mount Laguna - 91948

National City - 91950

Pine Valley - 91962

Potero - 91963

Spring Valley - 91977

Spring Valley - 91978

Tecate - 91980

Bonsall - 92003

Borrego Springs - 92004

Cardiff by the Sea - 92007

Carlsbad - 92008

Carlsbad - 92009

Carlsbad - 92010

Carlsbad - 92011

DelMar - 92014

Harbison Canyon - 92019

El Cajon - 92020

Crest - 92021

Encinitas - 92024

Escondido - 92025

Hidden Meadows - 92026

Escondido - 92027

Fallbrook - 92028

Escondido - 92029

Julian - 92036

La Jolla - 92037

Lakeside - 92040

Coastal Oceanside - 92054

Oceanside - 92056

Oceanside - 92057

Camp Pendleton South - 92058

Absolutely, Positively, Caring Attitude, Quality Service, Guaranteed!

Real Estate Agent

Alicia R. Chase

(619)727-1244
Ca DRE License #00758097
alicia@teamchase.com

What is a Good Credit Score Range?


A good credit score is important for many reasons; it determines how much you will pay in interest on loans and whether you will be able to get a loan or not. If you have a poor credit score you will pay more on loans than someone with a good credit score. Many people wonder, what is a good credit score range?

There are many factor that go into calculating your credit score, like number of late payments, length accounts have been open, bankruptcies, inquiries, and several other factors. This credit score is called a FICO score and it is compiled by Fair Isaac and Company.

There are three major agencies that monitor your debts and payments; they organize the facts about your history in this department and tally a score. These companies are independent from each other, so the information that each one has can be different.

For the same reason, you may have different credit scores issued by each company. Different lenders choose to work with different credit reporting companies. Some lenders work with only one, while others work with all three and consider all three reports and scores in the loan decision.

FICO scores run between 300 and 850 points. Because there is only 550 points between the lowest score and the highest score, small changes can have a big impact on your loan options and other aspects of your life.

A good credit score range is typically between 760 and 850. A credit score in this range will allow you to get the lowest interest rates and qualify for the best loan programs available. A score range between 720 to 759 will still normally qualify you for good interest rates and you will be able to qualify for most loan programs. If your credit score is between 680 and 719 you may start to have more complications when applying for credit, but you should still be able to qualify for loans.

A credit score range of 600 to 639 will present you with a lot of complications. This score range will lead to paying higher interest rates or not being able to secure a loan at all. A score in this range needs some help and should be given attention.

A score below 600 is considered poor and must be worked on and improved upon. A score this low will often prevent you from getting a job because employers believe that if you are that bad with your finances you must be an irresponsible person.This may or may not be true, but a bad credit score can really make things difficult outside of just qualifying for credit. It’s also common for your auto insurers to consider credit ratings when underwriting insurance.

It is incredibly important that you check your credit report and score frequently. Keep up on any changes and have mistakes corrected as soon as you find them. Credit history has a significant impact on your life and you must be vigilant about your own reports. Your credit score is quite important and it is very necessary to keep it in a good credit score range. You can keep your score up or improve a bad score by paying bills on time, avoiding bankruptcy, and keeping credit card balances under 49% of the limit. There are many ways to improve your credit.

Let Me Help You Get Started Today
(619)727-1244




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