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How Your Credit Score Affects Your Interest Rates?

June 25, 2015


There is a mathematical formula that is generated to calculate your three-digit number, known as the FICO score. This score helps financial institutions decide whether they would like to do business with you or not. If you seem to be at a risk, credit card companies, banks and any loan institute has the right to decline you. That means that if you have a high score, you’ll most likely be approved with them. Different credit scores come with different interest rates, so if you have over the magic number of 720-you would pay as little as 5.6% interest rate which is based on a $200,000 loan at 30 years. At the same time, there would be no additional cost to you while a score below 600 would add an additional $287,200 cost. So, if you do not have a perfect score, it’s okay. You can always improve your credit to work towards a lower interest rate.

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The My Credit Defender Specialist recognizes all current credit laws and offers a comprehensive, yet simple approach to improve credit ratings. The Credit Advisor is able to assist consumers in exercising their rights under the Fair Credit Reporting Act (FCRA), the Fair and Accurate Credit Transactions Act (FACTA), Fair Credit Billing Act (FCBA), Fair Debt Collection Practices Act (FDCPA) and the Consumer Protection Credit Act (CPCA).

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