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Although it may not be a term you're familiar with, the term FICO can be a determining factor as to whether or not you qualify for a credit or loan. But what is FICO, and how does it affect you when it comes to your creditworthiness?

The acronym FICO actually stands for Fair Isaac Company, which was the company that originally created a mathematical model for the credit reporting company Experian.  [more]

You may not find out how bad your credit really is until you apply for a mortgage. Then you will quickly realize that the low interest rates everybody raves about these days, the rates that are a big part of the rising prices of real estate across America, don't apply to everyone.  [more]

In the present climate of easy credit it is easy to get in over your head with credit card debt. Many people do not realize how many Americans are living payday to payday getting deeper and deeper into the drowning pool of high interest revolving debt.  [more]

One’s FICO score is a very important determinant of the ability to finance the purchase or refinance of a home. The FICO score is determined by a formula developed by Experian and takes into account many different factors. In today's lending environment, automated underwriting has taken a predominant position in the processing of loan applications.  [more]

Your credit score is the most important factor to getting the best car loan rate. Many shoppers make the mistake of going to the car dealership and applying for a loan before checking their credit report and score. By checking your credit score ahead of time, you will know where you stand before seeking a lender.  [more]

Everyone likes to save money. Auto loans can carry significant financial burdens for many people. One way to save money is to lower the financial burden these loans carry. The best way to save money on your next auto loan is to improve your credit score.  [more]

If you are going to improve your credit score, then logic has it that you must understand what your credit score is and how it works. Without this information, you won't be able to very effectively improve your score because you won't understand how the things you do in daily life affect your score.  [more]

Your credit score accounts for the amount of interest you have to pay for a loan or a credit card. Increasing your score in just a few points will make a big difference in the interest rate you will pay for a purchase. If your credit score is high enough, you’ll have no problem qualifying for a lender’s best rates and terms on auto financing, home loans and small business loans.  [more]

There are scores of loans available over the Internet, including cash back equity loans. Cash back equity loans are geared to help home-owners make improvements on their home. Improvements, of course, will increase the equity on the home, which is why lenders are often generous when dishing out cash back loans, simply because they will get their money back one way or another.  [more]

Bill consolidation loans can lower rates and help you pay of your debt faster. However, you want to be sure that you factor in the cost of fees, find low rates, and pick a short term loan. These tips will ensure that you don’t end up spending more by consolidating.  [more]