Credit scores are made up of various information such as your credit history, which includes your bill paying history, late payments, how long you have had credit, the type of credit you have, the number of accounts, collections, the age of the accounts. Lenders use various scoring models. For example there is the FICO model. FICO stands for “Fair Isaac Corporation Model”. It is a statistical database of consumers in the U.S. that have credit. There is also the Beacon score. All lenders don’t use the same models, and all lenders are not credit score driven. They will also take into account additional information in making a decision about lending.
Dr. Christine is a International Speaker & Transition Coach. As a cancer overcomer she helps others navigate through the pain of loss, whether the loss of a loved one, a job or a dream. She has experienced the tragedy of widowhood and inspires others to keep getting up no matter how many times you've been knocked down. She is the Author of "Wealth Building 10 Cents at a Time" & "Reverse Side of Love". She is the Managing Partner of Spread the Wealth & Founder of Spirit Song International Training Center.