What Affects Your Credit Score? – HUNT Mortgage

What Affects Your Credit Score? – HUNT Mortgage

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Your payment history is one of the most important credit scoring factors. Having a long history of on-time payments is best for your credit scores, while missing a payment could hurt them. The effects of missing payments can also increase the longer a bill goes unpaid.

Is my credit affected by applying for a mortgage? When you’re ready to get a mortgage, you can speak with a Home Loan Expert to see how your credit score will affect your mortgage rate. myth: declaring bankruptcy Gives You a Clean Slate of Credit. Fact: Declaring bankruptcy does not clear your credit and will severely hurt your score for many years to come. A Chapter 13 bankruptcy can stay.

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Well, yes and no. An inquiry affects your score only if it’s related to a credit application that you have submitted. If you apply for a loan or a credit card, your score might fall, because that application suggests you’ll be adding debt. But if you simply look at your own credit report, the resulting inquiry won’t affect your score.

What you may not realize is that your mortgage broker or auto salesman may run your credit with several different lenders. Many are shocked to see multiple inquiries made to their credit report after applying for a mortgage or car loan. And once you understand that credit inquiries have a negative impact on your credit score, you may become worried that rate shopping will hurt your credit score.

Credit inquiries are classified as either "hard inquiries" or "soft inquiries" – only hard inquiries have an affect on. That’s a smart thing to do, and your FICO score considers all inquiries.

Apartment Rentals Similarly, your credit score affects housing in more ways than solely influencing your mortgage rates and availability. Landlords will frequently check prospective tenants’ credit.

Mortgages help your credit score by improving your mix of revolving debt to installment debt. This mix accounts for roughly 10% of your score.

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As your financial profile changes, so does your score, so knowing what factors and types of accounts affect your credit score give you the opportunity to improve it over time. Top 5 Credit Score Factors. While the exact criteria used by each scoring model varies, here are the most common factors that affect your credit scores. Payment history.

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