By Warren C
ISBN-10: 0137020163
ISBN-13: 9780137020164
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Sample text
So, yes, credit scoring is older than the personal computer. In the late 1980s, the Fair Isaac Corporation (FICO) created a complex mathematical algorithm by analyzing millions of credit histories and using about 40 variables. This numeric scoring system enables consistent, impartial evaluation of loan requests. It proved to be astonishingly accurate in predicting the risk of granting credit— most of the time. Thanks to Fannie Mae and Freddie Mac endorsing its use for evaluating mortgage loan applications, in 1996, computerized credit scoring became the standard for loan approval.
Keep your balances below 10 percent of the limit. This is my favorite tactic for raising a credit score by 60 points instantly. Here’s how it works. Your credit score is calculated at the moment your credit report is pulled. It’s not calculated once a month or on a periodic schedule. Your electronic credit file is there collecting data without a score. Com 32 HOMEBUYERS BEWARE computer slips it into one of 14 grading curves called scorecards, and then uses about 40 components to calculate your score.
I reviewed her Good Faith Estimate and confirmed that all the fees were legitimate and fair. While we were discussing her options about buying down the interest rate, I mentioned that the loan Origination Fee is income tax deductible. That’s when a brilliant idea shot out of the heavens like a bolt of lightning. “Why not ask your mortgage broker to take out the two lender fees (the underwriting fee and the processing fee) and include them as part of the Origination Fee instead? That way, you will get to tax deduct those as well,” I said.
Homebuyers Beware by Warren C
by Kevin
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