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Mastering Your Credit Score to Build Wealth

December 18, 2017 By Acquania Escarne 48 Comments
Post may contain affiliate links. Check out our Disclosure.

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mastering your credit score to build wealth noir

I would not have my job if I had bad credit.

Before I was a diplomat, I went through an extensive background check; and they verified everything on my credit report including my student loans and retail store credit cards. Any negative information could have affected my ability to serve my country and provide an income for my family. Now my credit is checked periodically, but I keep it intact for myself and for my family’s sake. I work hard to keep a good credit score.

I learned early on the importance of a strong credit score and how to protect my credit. Let me share some of these tips with you so you can avoid critical mistakes or take the necessary action to improve your credit score. A good credit score and strong credit report grants individuals opportunities in life and, most importantly, saves you money.

What’s a credit score?

A credit score is a three-digit number that is based on your borrowing history and credit file. There are different types of credit scores, but the one most commonly used by lenders is the FICO credit score.

In the 1950s Bill Fair, an engineer, and Earl Isaac, a mathematician, created a calculation system that later became the FICO score in 1989. A good credit score was one of the first items retail stores and lenders could use to evaluate if someone should get a loan or credit.

Your FICO score can range from 300 to 850. If you have a good credit score, meaning a high credit score, lenders assume it is less of a risk to loan you money. If you have a lower score, it is assumed you are a greater risk and may default on your loan. Employers may also use your credit score to determine your judgment and ability to perform a particular job.

A Low Credit Score Will Cost You

Your credit score doesn’t just affect whether or not a lender loans you money. It can also affect what interest rates a lender offers you if they decide to loan you money. Typically, lenders offer individuals with lower credit scores higher interest rates. On the other hand, customers with higher credit scores are offered lower interest rates.

For example, if two people were considering buying a home, the one with the higher credit score could be offered a three percent interest rate, whereas the applicant with a low credit score might be offered a six percent interest rate. Think that’s not a huge difference? Think again.

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Two people purchase a $100,000 house with a 30 year fixed mortgage

Interest Rate Monthly Payment Total Paid for the House Total Paid in Interest
3% $421.60 $151,777.45 $51,777.45
6% $599.55 $215,838.19 $115,838.19

good credit to purchase a house

With a home the difference is huge, but the same rules apply for credit card interest rates too. The higher your credit score, the less you pay in credit card interest if you do not pay your bill off at the end of the month. So those with lower credit scores, who do not pay their balance in full every month, also end up paying more for their purchases.

Factors that Affect Your Credit Score

Your credit score is based on 5 things, but it’s important to pay attention to each factor to have the best overall score.

Payment History (35%): On your credit report, lenders look to see if you consistently pay your bills, and more importantly pay them on time. One late payment can result in a late fee to your lender and can significantly decrease your credit score. Regardless, whether you have ten credit cards or just one, always pay your bills on time. Bills are not limited to credit cards. They also include, but are not limited to cell phones, utility bills, and your mortgage. Cell phone and utility bills are not constantly on your credit report, but if you do not pay these bills the vendors have the right (and often do) put negative remarks on your credit report.

Debt Utilization Ratio (30%): Having a lot of credit cards, outstanding loans, or other debt is not necessarily a bad thing. What matters is how much of your credit you are using, this is known as your debt ratio. If you have three credit cards and you are maxing them out, this can lower your credit score. It’s best to not use more than 30% of your available credit. So, if you have a card with a $1,000 limit, do not carry a balance of more than $300.

Length of Credit History (15%): The longer you have a relationship with a lender, the better. This encourages more lenders to lend you money. So even if want to close some credit cards, think long and hard about it first. If one of those cards has been on your credit report for the last ten to fifteen years, keep it. If you are worried about overspending, lock it away (or give it to a trustworthy friend), use it every once in awhile, but don’t close it if you don’t need to.

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Type of Credit (10%): Just like you would diversify your investment portfolio, you should diversify your credit. This means try to have a mix of credit card debt, student loans (if you need to–don’t get these just because I said so), a mortgage or installment loans. Installment just means the payments are the same every month and the money is only paid for a fixed amount of time, like a mortgage or car loan.

New Credit Requests (10%): How often you request credit can also affect your score, so if you are shopping around for a car or home loan its best to do so in the same period of time say a two week period or the same month. If possible, ask the lender to give you a range of the interest rates they would offer to someone with your credit score and then only let the lender you are most likely going to use run your credit. It’s best not to have more than two inquiries on your credit report in a given year.

Where Can I Find My Score?

There are three major credit bureaus that maintain your credit information. Equifax, founded in 1899, is the oldest, followed by TransUnion and Experian. Each bureau can contain different information about your credit history and sometimes negative information is only known by one bureau and not the other two. This is why your score may vary slightly from one bureau to the other.

By law, everyone has the right to have a free credit report once every twelve months. However, only the report is required to be free–not the credit score. To access your report visit www.annualcreditreport.com. The FACT Act requires all three agencies to provide reports and the scores can be provided for a nominal fee. If you find any errors on your credit report, you should report them to the credit bureau immediately. They have 30 days to respond to your letter and if they cannot find evidence to support the information they must remove it from your credit report.

Check out Equifax Data Breach What You Need To Do.

Monitor Your Score for Free

One of the best ways to monitor your credit report and score for free is through websites like Credit Karma or Credit Sesame. Credit card companies like Discover, Citi, and Capital One also offer you access to your credit score for as long as you are a customer. Check to see if your bank or credit card companies offer this benefit too.

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Tracking your credit score on a regular basis and catching mistakes is important. You can catch signs of identity theft, correct incorrect information when it pops up, and ensure you aren’t surprised the next time you try and get a loan.

If you need to improve your credit, there are also free resources out there that can help. Some companies that have been connecting users to credible companies that can help are SpringFour and Operation Hope.

So if you have no idea what your credit score is, look it up now. You cannot know where you are going if you do not know where you stand. Once you review your credit report for accuracy, write out a plan on how you want to use your credit so it remains strong and gives you access to the best interest rates, available credit, and jobs.

What are some interesting stories about you credit score? Share your comments below and join the community to learn more about money, investing, finances, and more.

Acquania Escarne
Acquania Escarne

Acquania Escarne is the creator of The Purpose of Money, a community of women building generational wealth for their families one dollar at a time. As an entrepreneur, real estate investor, and licensed insurance agent, Acquania has always been passionate about financial literacy. On her website, Acquania blogs about ways to help you improve your money habits, create wealth, and invest in real estate. Follow Acquania on social media for daily tips.

www.thepurposeofmoney.com
Mastering Your Credit Score to Build Wealth

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Comments

  1. openmouthsgetfed says

    December 18, 2017 at 9:56 am

    I’ve built my credit steadily over the years. I’m now above an 800. I finally broke that barrier because my credit utilization is super low because of the newest card I opened. I’ve gone from being in collections right out of college and having a ton of maxed out store cards to finally figuring out how to use credit cards to my advantage (hello rewards points).
    What would be great is a part 2 to this article walking people through how to improve their credit. Are the credit fixing companies worth it? Can you do it yourself? Should you pay collection agencies? Do unpaid debts really fall off your credit report after 7 years? All of that information would be helpful to many, I’m sure.

    Reply
    • Acquania Escarne says

      December 18, 2017 at 5:43 pm

      Great suggestions! Thanks for sharing your story.

      Reply
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    • Damien Peters says

      December 18, 2017 at 5:58 pm

      That would make a good follow up post. Will have to look into it.

      Personally, paying bills on time and reducing my credit card utilization through new travel rewards cards have helped me the most … but I’ve had good credit since I was in college, so wasn’t really starting from the bottom.

      – Damien

      Reply
      • openmouthsgetfed says

        December 18, 2017 at 9:46 pm

        There are a lot of people with the appearance of making it whose credit us straight basura. As a single gal I meet way too many professional men in their 30s and older who are working on their credit. Trust me, you’d be doing the Black bourgeoisie a service.

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  25. Gosnell Renee says

    August 5, 2022 at 9:36 pm

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  27. Morton Howard says

    August 14, 2022 at 7:22 pm

    I got an email from Experian saying my score went up, so I decided to check my scores on Credit Karma and my scores has dropped 56 points from 600 to 544. I went to check what happened and there’s no changes listed. Now I just feel defeated. I just don’t want to bother anymore. I’ve been keeping my credit use under 30%, paying my card off every month, been setting all my bills up for auto pay. I’ve been trying so hard and it’s all for nothing. Thank to PINNACLE CREDIT SPECIALIST who came through for me. I’ve been working so hard with them to rebuild my credit, and seeing that score goes up again, that made me so proud. Within 5 days of working with PINNACLE they increased my score to TU 819, EX 810, EQ 816. All negative items have been removed; credit card debt marked as paid on time. I sincerely recommend PINNACLE CREDIT SPECIALIST to anyone out their who has similar issues with me. You can get them on: pinnaclecreditspecialist AT gmail DOT com Let them know Morton Howard, I referred you.

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    August 15, 2022 at 9:06 pm

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    August 20, 2022 at 4:11 am

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    Reply
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    August 20, 2022 at 10:40 pm

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  31. mary osborne says

    August 29, 2022 at 10:10 pm

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  32. Austin Fray says

    August 29, 2022 at 11:32 pm

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  33. mary osborne says

    August 29, 2022 at 11:43 pm

    NO UPFRONT FEES
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  34. Anthony Willie says

    August 31, 2022 at 10:35 am

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  35. Robert Scott says

    August 31, 2022 at 12:00 pm

    I’m Robert Scott, working as Financial Consultant in UK.. Am in direct contact with an active and capable Provider of Bank Instruments(SBLC/FC BG & LC) we’ve close successful deals together since working over the years. Our SBLC/BG can be engaged in PPP Trading, Signature Projects, Petroleum, Oil & Gas, Business Funding, Aviation and MORE.. If interested, you can contact me through.
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  36. Amanda Johnson says

    September 19, 2022 at 5:16 pm

    I had three evictions earlier this year which deprived me from purchasing an apartment for my family, and my other apartment was not conducive for my family anymore, but I couldn’t purchase any due to low credit score and my husband wasn’t working he had no job at the moment. So, I decided to meet my grandpa for a good hacker, because he’s credit score has been raised before by hacker and he referred me to PINNACLE CREDIT SPECIALIST for help, he’s a very good person and he explained how the hack will be helpful to me and my greatest surprise, he increased my credit score to 805 excellent credit score and removed the eviction on my credit report without any remission during the hacking process. I just moved in my new apartment with my family and I have no affliction working with PINNACLE CREDIT SPECIALIST. Hit him up through his email at pinnaclecreditspecialist AT gmail DOT com

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  37. Natalia Dokim says

    September 27, 2022 at 6:53 pm

    Today makes it exactly a week i gained my financial freedom and i am already kicking for more success. This Is because I have really been through a storming period in life where I watch everything I have laboured for in the past came crashing right before my eyes due to a very poor credit score. I had done everything within my power to rectify my score but all to no avail. I recently embarked on a way forward by surfing through the Internet and I realised that there are people who have similar challenges and have gotten it fixed. My research further led me this unique hacker who have a lot of interesting reviews from people he had helped. I had to give him a shot but reluctantly though. It turns out I made the best decision ever. He raised my credit score from 410points to 790 points within the shortest period. I am really in awe for this improvement. All I can say is thank you very much ALIENMAN dot HACKER at GMAIL dot COM for making this possible. You are the best.

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  38. Dang Jae-Hwa says

    September 30, 2022 at 7:18 am

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  39. James Benjamine says

    November 28, 2022 at 7:48 pm

    Are you worried about repairing your credit report? PINNACLE CREDIT SPECIALIST is a five star in my ranking. My wife had cancer in 2020 which has been very difficult for me, due to that I missed payment while trying to keep her alive. My credit score dropped down to 521. I got medical bills on my credit report and credit debt of $40,000 with home equity debts. All thanks goes to PINNACLE CREDIT SPECIALIST for their wonderful work on my credit report. I can tell you I’m the most excited human on earth. They boost my credit score to 805 across credit bureaus. Medical bills, credit card debt and home equity have been removed without no trace.

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  40. George Ford says

    November 29, 2022 at 12:48 am

    Hello everyone, i will like to introduce y’all to a good and generous hacker his name is James Forshaw. He is the best in fixing and boosting up credit score, he help me when i was unable to apply for loan due to my low credit score and also help me apply for new credit cards. His fee is affordable and he is very reliable. Text him via his email; [email protected]

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  41. Martins Armstrong says

    January 6, 2023 at 9:48 pm

    Losing a loved one can be very devastating. I lost my dad who was my best friend about 6months ago. I drowned myself in alcohol in order to forget my sorrow but to no avail. Before I realized myself, my life was already a mess. My credit which was at 761(three years of hard work) had already dropped to 498, all my cash spent and all my card maxed out. I had so many negative items (late payments, inquiries, collections, judgments and garnishment). A good friend of mine recommended METRONET CREDIT SOLUTION; they helped me raise my credit 784 from the initial 498. I am very grateful for this great help. If you’ve messed up your credit and you really need quick assistance, then I recommend them.

    Reply
  42. Campbell Brown says

    January 13, 2023 at 6:08 am

    Hi everyone, appreciate your help with this. I had 3 Amex cards that were all used for business across 2 businesses. Two payments on one of those cards (related to a business that was struggling) was missed in the summer of 2019 which resulted in all 3 cards being cancelled by Amex (the other 2 cards, related to the same business had no perfect payment history). That card which was opened in 2016 eventually went into collections and charged off. Which brought down my credit score to 450, I also had delinquent accounts, deeds in lieu of foreclosure. Following the advice found on this site about PINNACLE CREDIT SPECIALIST how they’ve been helping people to get a good credit score I contacted them immediately and explained my dilemma to them which he promised to fix the situation. I sent the necessary information which was needed to get my job done. Within 3 days all negative items have been deleted and my credit score has been raised to TU 801, EQ 809, EXP 811. This was what so many scammers who claimed to be hackers couldn’t do. I’m happy to have read about PINNACLE CREDIT SPECIALIST. They’re the best as far as credit repair is concerned.  

    Reply
  43. Jeremy Miller says

    January 21, 2023 at 11:07 am

    Metronet Credit Solution is the best in terms of credit repair. I had many negative items on my credit report that were holding me back. I had late payments, inquiries collections, charge-offs and card debts which I had totally paid off and I am not sure of the others but they were all 3 years old. I filed bankruptcy a year ago and settled all of these. I was so surprised when I found out they were still on my reports. I recently got referred by my sister to hire Metronet which I did and he helped me fix my credit report. I’m recommending him for anyone in need of credit repair. He is just the best.

    Reply

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