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What you need to know about credit

What is a Credit Score?

Credit is all about if you have paid on time, and if you have paid at all. It’s all about your financial future. But, most people think that it’s only based on those things. Instead, credit is used for a variety of things and each time someone looks at your credit report you are lost because it dings it.

Credit scores are a three digit number calculated with a mathematical equation that each credit bureau uses. Experian, Equifax, TransUnion and FICO use different scores to manage your debt ratio. FICO users are mostly larger lenders, and they use that three digit number to create a system that allows you to be properly evaluated.

Credit is all about you, and we can tell you right now that you and  your family are going to be part of.