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Home Mortgage-FICO-How Important Is It?

Some things in life are important. Some things in life are EXTREMELY important. Your FICO score is perhaps THE MOST important number in your life. It will eventually affect literally every aspect of your life. From applying for a job, to renting an apartment, to applying for a car loan to applying for a home mortgage-your FICO score-rightly or wrongly says a lot about you without saying a word--only a number!!!

Of course FICO isn't everything. On the other hand as they say "it is way ahead of whatever is in second place". Employers are using it to determine stability. Landlords are using it to determine ability to pay timely and other factors associated with being a good tenant. Too, lenders use it to determine if you get a loan and at what rate. Insurance companies use it to determine what kind of risk you are.

FICO scores are a composite of data using scoring models and mathematical tables that assign points for different pieces of information which can be predictors of future credit performance. Developing these models involves studying how millions of people have used credit. Credit scores analyze a borrower's credit history considering numerous factors such as:

Late payments

The amount of time credit has been established

The amount of credit used versus the amount of credit available

Length of time at present residence

Employment history

Negative credit information such as bankruptcies, charge-offs, collections, etc.

Amazingly income doesn't count. Think about it a millionaire who doesn't pay his bills on time is worse off than a ,000 yr wage earner who does.

For many people the best time to check your FICO score is 6-12 months before making a major purchase like a car or a home. Why so long? If there is a problem it will allow you sufficient time to fix it. If repair work needs to be done to your score that can be a lengthy process. To some, they make the argument that you should monitor your score on a regular basis-it is that important.

There are very few things you can do before applying for a home mortgage loan that are more important than knowing your FICO score.

Fair Isaac & Company- FICO-is the score that greatly determines your interest rate on any loan-car, furniture, home equity, and of course on credit cards. It can even determine IF you get the loan. And nowadays it is so much more. Try renting an apartment, getting car insurance, or even getting a job without someone checking out your FICO score.

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