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Bad Credit What is it and how to Repair it yourself

Bad Credit What is it and how to Repair it.

What determines bad credit? Your credit score! Credit scoring is a system used to determine whether to give you credit. It is based on your bill-paying history, how many accounts you have, late payments, collection actions, outstanding debt, and the age of your accounts.

Your creditor will compare this information to the credit performance of other creditors with similar profiles, and a scoring system results which awards points for each factor that helps predict if you are likely to repay a debt. The total number of points therefore helps predict how creditworthy you are and how likely it is that you will repay a loan and make payments when due.

Its know as the FICO score. The higher the FICO score, the better. FICO scores are based on 22 pieces of data collected by the three major credit bureaus. The lowest possible score is 300, while the highest is 850

Under the Equal Credit Opportunity Act, the credit scoring system may not use certain characteristics like race, sex, marital status, national origin, or religion as critical factors.

So its likely that your score will be affected negatively if :

you have paid bills late
the amount you owe is close to your credit limit
you have an insufficient credit history
you have applied for too many new accounts recently

Although it is generally good to have established credit card accounts, too many may have a negative effect on your score.

Scorers may also consider information from your credit application such as - your job or occupation, length of employment, or whether you own a home

If you are denied credit, the Equal Credit Opportunity Act requires that the creditor gives you a notice outlining reasons your application was rejected. The creditor also needs to inform you that you have the right to know the reasons if you ask within 60 days. Indefinite and vague reasons for denial are illegal, so ask the creditor to be specific.

Acceptable reasons include :

Your income was low
You haven't been employed long enough

Unacceptable reasons include :

You didn't meet the creditors minimum standards
You didn't receive enough points on their credit scoring system.

If you have been denied credit because of information from a credit report, the Fair Credit Reporting Act requires the creditor to give you the name, address and phone number of the credit reporting agency that supplied the information.

So if you've been denied credit, or didn't get the rate or terms you expected, then ask the creditor if a credit scoring system was used, what factors were used in that system, and how you can improve your application.

If you get credit, ask the creditor whether you are getting the best rate and terms available and if not, why not.

To smash (repair) your bad credit go to

This article may be used freely provided the URL's referred to and the about author box is included

About the Author: John Matkowsky has two websites - and which are dedicated to
helping people on the web by providing information on credit repair,
affiliate programs and website building

You may use/copy this article provided no alterations and that all links remain.

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