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| Credit Card Debt ... How it Affects your FICO Score If you are thinking of refinancing or financing a manufactured home in a park or on land, it's a good idea to understand some basic, but little-known, guidelines about credit card debt. Most importantly, the three major credit bureaus (TransUnion, Experian, and Equifax) have methods for considering credit card debt and are similar among the three. First, it is recommended to owe 30% or less of a credit card's limit Second, if a borrower has more than three or so credit cards, considered "revolving credit," in addition to other revolving acccounts, such as department store accounts, then this is viewed more negatively than fewer accounts and can significantly lower a FICO. Third, and almost the opposite, is not having enough established credit history with several good accounts. Fourth, most lenders look for at least one installment loan, such as an auto loan, and at least two revolving accounts opened and in good standing for at least two years. The credit bureaus also need this payment history to produce a score. Finally, as an aside, many borrowers think it's best not to use credit and prefer to be on a cash basis for all the purchases. Unfortunately, without any established credit, they may be surprised that the bureaus cannot even generate a credit score at all without some kind of established history. Manufactured home loan financing and refinancing is our specialty, and we're pleased to offer our valued customers all the information they need in order to best prepare themselves to qualify for a loan. Call us to see why we always "Go the Extra Mile" to ensure you receive the best rate and term for your loan with friendly, professional service. We know you have choices when choosing a lending professional ... you've made the right choice with us. Thank you for choosing Earth Works Trust! |
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