{"id":41877,"date":"2022-06-15T08:15:31","date_gmt":"2022-06-15T08:15:31","guid":{"rendered":" https:\/\/dev.way.com\/blog\/?p=41877"},"modified":"2022-07-05T04:23:01","modified_gmt":"2022-07-05T04:23:01","slug":"credit-score-jargon","status":"publish","type":"post","link":"https:\/\/dev.way.com\/journal\/credit-score-jargon\/","title":{"rendered":"Credit Score: Know the Basic Jargon to Spend Wisely"},"content":{"rendered":"<p><span data-preserver-spaces=\"true\">Your credit score is a prediction of your ability to repay new debt.\u00a0<\/span><span data-preserver-spaces=\"true\">Credit scores of 690 or higher are considered excellent.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Credit scores impact many elements of your life. These include whether or not you can acquire an auto loan and the interest rate you would pay. <\/span><span data-preserver-spaces=\"true\">A higher credit score can open up more credit options with cheaper interest rates. Borrowers with scores of at least 750 often have a variety of alternatives. These include the potential to qualify for 0% car financing and credit cards with 0% initial interest rates.<\/span><\/p>\n<p><a href=\"https:\/\/www.way.com\/auto-refinance\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-41880 size-full\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/06\/Refinance-1.png\" alt=\"Auto Refinance\" width=\"744\" height=\"276\" srcset=\"http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Refinance-1.png 744w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Refinance-1-300x111.png 300w\" sizes=\"auto, (max-width: 744px) 100vw, 744px\" \/><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #e71346;color:#e71346\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #e71346;color:#e71346\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/dev.way.com\/journal\/credit-score-jargon\/#What_is_Credit_Score\" >What is Credit Score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/dev.way.com\/journal\/credit-score-jargon\/#What_Defines_a_Good_Credit_Score\" >What Defines a Good Credit Score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/dev.way.com\/journal\/credit-score-jargon\/#Importance_of_Credit_Score\" >Importance of Credit Score<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/dev.way.com\/journal\/credit-score-jargon\/#Credit_Scores_for_Credit_Cards\" >Credit Scores for Credit Cards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/dev.way.com\/journal\/credit-score-jargon\/#Credit_Scores_for_Auto_Loans\" >Credit Scores for Auto Loans<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/dev.way.com\/journal\/credit-score-jargon\/#Credit_Score_jargon_you_should_know\" >Credit Score jargon you should know<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/dev.way.com\/journal\/credit-score-jargon\/#Payment_History\" >Payment History<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/dev.way.com\/journal\/credit-score-jargon\/#Late_payments\" >Late payments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/dev.way.com\/journal\/credit-score-jargon\/#Debt_Burden\" >Debt Burden<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/dev.way.com\/journal\/credit-score-jargon\/#Credit_Utilization\" >Credit Utilization<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/dev.way.com\/journal\/credit-score-jargon\/#Credit_history\" >Credit history<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/dev.way.com\/journal\/credit-score-jargon\/#Credit_Types\" >Credit Types<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/dev.way.com\/journal\/credit-score-jargon\/#Recent_Credit_Searches\" >Recent Credit Searches<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/dev.way.com\/journal\/credit-score-jargon\/#How_to_Improve_your_Credit_Score\" >How to Improve your Credit Score<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/dev.way.com\/journal\/credit-score-jargon\/#Pay_your_bills_on_time\" >Pay your bills on time<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/dev.way.com\/journal\/credit-score-jargon\/#Increase_your_credit_limit\" >Increase your credit limit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/dev.way.com\/journal\/credit-score-jargon\/#Stop_dont_close\" >Stop don&#8217;t close<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/dev.way.com\/journal\/credit-score-jargon\/#Work_with_a_reputable_repair_agency\" >Work with a reputable repair agency<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/dev.way.com\/journal\/credit-score-jargon\/#Bottomline\" >Bottomline<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Credit_Score\"><\/span><span data-preserver-spaces=\"true\">What is Credit Score?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">A credit score is between 300 and 850. <\/span><span data-preserver-spaces=\"true\">Banks, credit card companies, and other financial institutions use this score. They use it to determine if you can or will be able to pay off any obligations you accrue.\u00a0<\/span><span data-preserver-spaces=\"true\">A higher number demonstrates your willingness and ability to repay any loans. A higher number will help you get approved for new loans based on your current financial situation and previous conduct.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Defines_a_Good_Credit_Score\"><\/span><span data-preserver-spaces=\"true\">What Defines a Good Credit Score?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">A <a href=\" https:\/\/dev.way.com\/blog\/what-defines-a-good-credit-score\/\">good credit score<\/a> is defined as a number between 670 and 850. The FICO Score is the credit scoring system you will hear about the most in the United States.\u00a0 <\/span><span data-preserver-spaces=\"true\">Your FICO Score will range from 300 to 850, with a higher score indicating stronger financial stability.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Lenders may refer to your credit in terms of credit level of quality \u2014 such as bad, fair\/average, good, or excellent \u2014 with each category relating to a different range of FICO Scores.<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/media3.giphy.com\/media\/xUA7baGIM9U95fCTEk\/giphy.gif?cid=790b7611a1b3179f43b45ad5a1fb2f3ee64e6678b81324c6&amp;rid=giphy.gif&amp;ct=g\" alt=\"Fox Broadcasting Lyons GIF by Empire FOX\" \/><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/giphy.com\/gifs\/empire-fox-foxtv-xUA7baGIM9U95fCTEk\">via GIPHY<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Importance_of_Credit_Score\"><\/span><span data-preserver-spaces=\"true\">Importance of Credit Score<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">Your credit score has an impact on whether or not <a href=\" https:\/\/dev.way.com\/blog\/credit-score-car-insurance-how-does-one-influence-the-other\/\">you can get approved for a loan<\/a>. <\/span><span data-preserver-spaces=\"true\">The higher your FICO Score, the more likely you are to get approved for a credit card or loan. The interest rate associated with that loan or card will normally be lower as well. Conversely, lower scores might dramatically increase your loan rates or prevent you from receiving a product or service.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Credit_Scores_for_Credit_Cards\"><\/span><span data-preserver-spaces=\"true\">Credit Scores for Credit Cards<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-preserver-spaces=\"true\">Many credit cards, particularly the most lucrative rewards cards, are only available to customers with a certain level of creditworthiness. Conversely, many of the most fantastic cards are only available to people with excellent credit.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">When it comes to cards, your credit score can influence the range of possibilities available. <\/span><span data-preserver-spaces=\"true\">Credit cards come with variable interest and <a href=\" https:\/\/dev.way.com\/blog\/what-is-apr-on-a-car-loan-and-how-is-it-calculated\/\">annual percentage rates (APRs)<\/a>. Therefore, the actual interest rate on your card will be inversely tied to your score, with lower interest rates being offered to those with higher creditworthiness and vice versa.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-41883 size-large\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_62386527_XL-min-1024x683.jpg\" alt=\"What Defines a Good Credit Score?\" width=\"640\" height=\"427\" srcset=\"http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_62386527_XL-min-1024x683.jpg 1024w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_62386527_XL-min-300x200.jpg 300w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_62386527_XL-min-768x512.jpg 768w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_62386527_XL-min-1536x1024.jpg 1536w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_62386527_XL-min-2048x1365.jpg 2048w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_62386527_XL-min-600x400.jpg 600w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Credit_Scores_for_Auto_Loans\"><\/span><span data-preserver-spaces=\"true\">Credit Scores for Auto Loans<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-preserver-spaces=\"true\">Lenders act similarly when it comes to auto loans. Your credit score determines whether a bank will grant a loan or require you to make further concessions to be approved. Additionally, it can, and usually does affect the interest rate you pay on your loan.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Credit_Score_jargon_you_should_know\"><\/span><span data-preserver-spaces=\"true\">Credit Score jargon you should know<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">Payment history (35%), Debt Burden (30%), the Credit history (15%), Credit categories (10%), and Recent Credit Searches (10%) all contribute to your FICO Score.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Let&#8217;s examine how these elements work together to create your total credit profile:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Payment_History\"><\/span><span data-preserver-spaces=\"true\">Payment History<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-preserver-spaces=\"true\">With 35% of your FICO Score, your payment history is the most important factor. <\/span><span data-preserver-spaces=\"true\">Negative information in a person&#8217;s credit history indicates that they have trouble paying their debt obligations or have a dangerous mindset regarding credit. These factors indicate to the lender that they should proceed with caution when extending a further loan.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Late_payments\"><\/span><span data-preserver-spaces=\"true\">Late payments<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-preserver-spaces=\"true\">Late payments are customers&#8217; most prevalent issue with the payment history component. Being late on a monthly payment for your card or a loan will usually result in a negative adjustment to your score, whether it was because you were trying to make ends meet \u2014 or because you forgot \u2014<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Your credit score is affected by how late you pay your bills. The longer you wait, the harsher the consequences will be \u2013 this will show up on your credit record as of late payments in categories such as 30-days, 60-days, or even longer.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Missed or late payments on seemingly insignificant amounts can be as detrimental.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-41884 size-large\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_7583926_XL-min-1024x683.jpg\" alt=\"Credit Score Jargons you should know\" width=\"640\" height=\"427\" srcset=\"http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_7583926_XL-min-1024x683.jpg 1024w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_7583926_XL-min-300x200.jpg 300w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_7583926_XL-min-768x512.jpg 768w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_7583926_XL-min-1536x1024.jpg 1536w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_7583926_XL-min-2048x1365.jpg 2048w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_7583926_XL-min-600x400.jpg 600w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Debt_Burden\"><\/span><span data-preserver-spaces=\"true\">Debt Burden<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-preserver-spaces=\"true\">The specifics of your current debt burden, including how much you owe in total, what types of loans you have, and any other quantitative indicators regarding your entire debt and credit profile, account for 30% of your credit score.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">How much you owe and how it&#8217;s broken up among different lending products functions as a signal about your ability to handle your existing debt as an indicator of your creditworthiness.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Credit_Utilization\"><\/span><span data-preserver-spaces=\"true\">Credit Utilization<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-preserver-spaces=\"true\">Credit utilization (also known as your debt-to-limit ratio) is a calculation that compares the entire amount of debt on your credit card accounts to the total amount of credit available on those accounts.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">It&#8217;s better for your credit score if you have a lower utilization rate. This means your average balance is lower than the total amount you may have on your cards. <\/span><span data-preserver-spaces=\"true\">This ratio can come into play if you&#8217;re considering canceling a credit card you already have. Even if you don&#8217;t use that card, as long as it doesn&#8217;t come with fees, the higher total credit limit makes your credit utilization stats look better.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">This also indicates that asking for a greater limit on an existing card will lower your total ratio.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Credit_history\"><\/span><span data-preserver-spaces=\"true\">Credit history<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-preserver-spaces=\"true\">The length of your credit history determines about 15% of your credit score. This considers the length of time that accounts under your name has been open, the average amount across all of your accounts, and the length of time your oldest open account has been open.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">The longer your accounts have been open and your credit history has been established, the more correctly a company can assess your finances and credit behavior.\u00a0<\/span><span data-preserver-spaces=\"true\">A few years&#8217; worths of data about a customer is a stronger predictor of how they will act in the future than a few months&#8217; worths of data.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Credit_Types\"><\/span><span data-preserver-spaces=\"true\">Credit Types<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-preserver-spaces=\"true\">The numerous types of debit or credit used, which account for 10% of your credit score, are one of the smaller components.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Revolving credit (credit cards), mortgages, consumer finances, and installment loans are some types of accounts you may have.\u00a0<\/span><span data-preserver-spaces=\"true\">A history of having a bigger audience could be a good sign.<\/span><\/p>\n<p><strong><em><span data-preserver-spaces=\"true\">Why is it important to have a diverse credit history?\u00a0<\/span><\/em><\/strong><\/p>\n<p><span data-preserver-spaces=\"true\">A consumer&#8217;s prior exposure to various types of credit is a useful indicator that they are familiar with various financial products and can manage them correctly. Consumers may also have different attitudes toward paying off a credit card vs. a mortgage, so a lender may want to be extra cautious with someone with a smaller exposure.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Recent_Credit_Searches\"><\/span><span data-preserver-spaces=\"true\">Recent Credit Searches<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-preserver-spaces=\"true\">Ten percent of your credit score is based on recent searches or hard queries into your profile. <\/span><span data-preserver-spaces=\"true\">It&#8217;s important to remember that any hard inquiry into your credit history, such as a credit card application, lowers your credit score temporarily.\u00a0<\/span><span data-preserver-spaces=\"true\">However, this will not have a long-term impact.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">It&#8217;s important to note that checking your credit score does not constitute a hard pull on your credit history. This will not lower your credit score. <\/span><span data-preserver-spaces=\"true\">Checking your credit score regularly is a good idea to maintain your financial health.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Improve_your_Credit_Score\"><\/span><span data-preserver-spaces=\"true\">How to Improve your Credit Score<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">When information on a borrower&#8217;s report is updated, their credit score changes. Basically, new information might cause the numbers to climb or fall.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/media2.giphy.com\/media\/W35cYJBeP1bFQDumMm\/giphy.gif?cid=790b7611b23571111d1d1d7ff31f462b46ffc5e82b02f78f&amp;rid=giphy.gif&amp;ct=g\" alt=\"GIF by The Financial Gym\" \/><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/giphy.com\/gifs\/thefinancialgym-W35cYJBeP1bFQDumMm\">via GIPHY<\/a><\/p>\n<p><span data-preserver-spaces=\"true\">Here are some suggestions for improving a consumer&#8217;s credit score:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pay_your_bills_on_time\"><\/span><strong><span data-preserver-spaces=\"true\">Pay your bills on time<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-preserver-spaces=\"true\">It takes six months of on-time payments to see a significant difference in your credit score.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Increase_your_credit_limit\"><\/span><strong><span data-preserver-spaces=\"true\">Increase your credit limit<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-preserver-spaces=\"true\">\u00a0If you have credit card accounts, contact me to see if you can get your credit limit increased. If your account is in good standing, you should be given a credit limit increase. Not spending this amount is critical to keep your credit utilization rate low.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Stop_dont_close\"><\/span><strong><span data-preserver-spaces=\"true\">Stop don&#8217;t close<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-preserver-spaces=\"true\">If you aren&#8217;t using a credit card, you should cease using it rather than closing the account. Closing an account, depending on its age and limit, can harm your score. In addition, closing one of the cards would increase your utilization rate, which would hurt you.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Work_with_a_reputable_repair_agency\"><\/span><strong><span data-preserver-spaces=\"true\">Work with a reputable repair agency<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-preserver-spaces=\"true\">In exchange for a monthly charge, credit repair organizations will negotiate with your creditors and the three credit bureaus on your behalf if you don&#8217;t have time to improve your score. Furthermore, considering the variety of chances that a good credit score opens up, it may be worthwhile to use one of the top credit monitoring services to keep your information safe.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-41882 size-large\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_62396379_XL-min-1024x683.jpg\" alt=\"Work with a reputable repair agency\" width=\"640\" height=\"427\" srcset=\"http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_62396379_XL-min-1024x683.jpg 1024w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_62396379_XL-min-300x200.jpg 300w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_62396379_XL-min-768x512.jpg 768w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_62396379_XL-min-1536x1024.jpg 1536w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_62396379_XL-min-2048x1365.jpg 2048w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_62396379_XL-min-600x400.jpg 600w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bottomline\"><\/span><span data-preserver-spaces=\"true\">Bottomline<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">Your credit score has the potential to cost or save you a lot of money. You can get lower interest rates if you have a higher number. This means you will pay less for whatever line of credit you take.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">However, it is up to you, the borrower, to ensure that your credit remains healthy. If you have a healthy credit score you can have additional borrowing options.<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/media3.giphy.com\/media\/VhQJ2lfCw3RThCZmzw\/giphy.gif?cid=790b7611cb364cb56ff9c5477b9fb53100fdad62e66753e1&amp;rid=giphy.gif&amp;ct=g\" alt=\"Billy Gardell Bob102 GIF by CBS\" \/><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/giphy.com\/gifs\/cbs-billy-gardell-bob-hearts-abishola-VhQJ2lfCw3RThCZmzw\">via GIPHY<\/a><\/p>\n<hr \/>\n<p><em><span data-preserver-spaces=\"true\">Here&#8217;s more info on\u00a0<\/span><\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/airport-parking\" target=\"_blank\" rel=\"noopener\"><em><span data-preserver-spaces=\"true\">top-rated airport parking<\/span><\/em><\/a><em><span data-preserver-spaces=\"true\">,\u00a0<\/span><\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/cities\" target=\"_blank\" rel=\"noopener\"><em><span data-preserver-spaces=\"true\">the best parking spots in your city<\/span><\/em><\/a><em><span data-preserver-spaces=\"true\">, affordable\u00a0<\/span><\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/auto-insurance\" target=\"_blank\" rel=\"noopener\"><em><span data-preserver-spaces=\"true\">auto insurance<\/span><\/em><\/a><em><span data-preserver-spaces=\"true\">, easy\u00a0<\/span><\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/auto-refinance\" target=\"_blank\" rel=\"noopener\"><em><span data-preserver-spaces=\"true\">Auto refinance<\/span><\/em><\/a><em><span data-preserver-spaces=\"true\">, and\u00a0<\/span><\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/car-wash-near-me\" target=\"_blank\" rel=\"noopener\"><em><span data-preserver-spaces=\"true\">high-quality car washes near you<\/span><\/em><\/a><em><span data-preserver-spaces=\"true\">.<\/span><\/em><\/p>\n<hr \/>\n<p style=\"text-align: center;\">\n","protected":false},"excerpt":{"rendered":"<p>Your credit score is a prediction of your ability to repay new debt.\u00a0Credit scores of 690 or higher are considered excellent.\u00a0 Credit scores impact many elements of your life. These include whether or not you can acquire an auto loan and the interest rate you would pay. A higher credit score can open up more&hellip; <a class=\"more-link\" href=\"https:\/\/dev.way.com\/journal\/credit-score-jargon\/\">Continue reading <span class=\"screen-reader-text\">Credit Score: Know the Basic Jargon to Spend Wisely<\/span><\/a><\/p>\n","protected":false},"author":46,"featured_media":41881,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2862,5916],"tags":[],"class_list":["post-41877","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expert-corner","category-credit-score","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.3 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Credit Score: Know all the basic jargons to improve your Credit Score<\/title>\n<meta name=\"description\" content=\"Credit scores impact many elements of your life. Your credit score is a prediction of your ability to repay new debt.\u00a0Read to know more!\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit Score: Know the Basic Jargon to Spend Wisely\" \/>\n<meta property=\"og:description\" content=\"Credit scores impact many elements of your life. 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