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Credit Score California

In the United States, a credit score is a number typically between 300 and 850, based on a statistical analyses of a person's credit files, to represent the creditworthiness of that person, which is the likelihood that the person will pay his or her bills.
1. Local Companies
2. Credit Score - Overview
3. Makeup of the Credit Score
4. Range of Score
5. Featured Local Company

1. Local Companies

Mann, Urrutia, Nelson CPAs & Associates
916-929-0540
2515 Venture Oaks Way, Suite 135
Sacramento, CA
VRTech Financial Services
(818) 626-0569
20944 Sherman Way Suite 103
Canoga Park , CA
Cash Advance Payday Loan
831-776-3816
1172 S. Main St. #218
Salinas, CA
California Health Insurance
800-560-2443
18402 Hawthorne Blvd #E
Torrance, CA
First Bank
916-641-3257
865 Howe Avenue, Suite 310
Sacramento, CA
Richerd Aplin Furst, LLC.
(310) 927-1630
9701 Wilshire Blvd.
Beverly Hills, CA
Wells Fargo Bank, Private Mortgage Banking
415-222-3500
555 Montgomery Street
San Francisco, CA
PEREZ FUNDING SOLUTIONS
510-375-0346
3158 14th Street
SAN PABLO, CA
Feather River Mortgage
530-342-2488
2500 Floral Ave Suite 20
Chico, CA
Main Street Financial Group
714-447-3030
801 E Chapman Avenue
Fullerton, CA


2. Credit Score - Overview


In the United States, a credit score is a number typically between 300 and 850, based on a statistical analyses of a person’s credit files, to represent the creditworthiness of that person, which is the likelihood that the person will pay his or her bills. A credit score is primarily based on credit report information, typically from the three major credit reporting agencies.

Lenders, such as banks and credit cards companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt. Lenders use credit scores to determine who qualifies for a loan, at what interest rate, and what credit limits. The use of credit or identity scoring prior to authorizing access or granting credit is an implementation of a trusted system. While the most widely known score in the U.S. is FICO, there are many others, such as NextGen and VantageScore.


Do you have Credit Card Debt? Call 877-753-5127

3. Makeup of the Credit Score


Credit scores are designed to measure the risk of default by taking into account various factors in a person’s financial history. Although the exact formulas for calculating credit scores are closely guarded secrets, Fair Isaac has disclosed the following components and the approximate weighted contribution of each:

  • 35%, punctuality of payment in the past.
  • 30%, the amount of debt, expressed as the ratio of current revolving debt to total available revolving credit.
  • 15%, length of credit history.
  • 10%, types of credit used.
  • 10%, recent search for credit and amount of credit obtained recently.

    Fair Isaac does not use the same scorecard for everyone. The scorecards are segmented so that there are over 100 different scoring models that are applied to different individuals based on different ranges of input values. The implication of this segmentation are that while the approximate weighted contribution above may be an average across all scorecards, individuals receive different scores or weightings based on the scorecard segmentation in which they fall. Some consumers have noticed their scores decreasing by small amounts for no apparent reason.


    Do you have Credit Card Debt? Call 877-753-5127

    • 4. Range of Score


    A FICO score generally ranges from 300 to 850. It exhibits a left-skewed distribution with a US median around 725. Generally, 660 is regarded as potentially sub-prime and represents and important break point for credit worthiness. The performance of the scores is monitored and the scores are periodically aligned so that a credit grantor normally doesn’t need to be concerned about which scorecard was employed.

    Each individual has three credit scores for any given scoring model because the three credit agencies have their own, independent databases. These databases are independent of each other and may contain entirely different data. Many lenders will check an applicant’s score from each bureau and use the median score to determine the applicant’s credit worthiness.


    Do you have Credit Card Debt? Call 877-753-5127

    5. Featured Local Company

    National Healthcare Review

    We provide solutions to improve data quality, coding, education, training, reimbursement, and compliance for hospitals.

    818-704-6144
    22120 Clarendon Street, 3rd Floor
    Woodland Hills, CA
    www.nhri.com

    Hospitals need to align themselves with strategic partners to help them perform at their best. NHR solidifies that partnership with a full spectrum of solutions that provide measurable bottom line improvement and ensure compliance with the myriad of rules and regulations hospitals face.
    For over 30 years, National Healthcare Review, Inc. has provided revenue cycle solutions to hospitals nationwide. Our skilled analysts provide recommendations and solutions tailored to each client based on chart audit findings to improve data quality, coding, education, training, reimbursement, and compliance.


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    Read more about Credit Score

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