[Equity might have been ordsprog

[Equity might have been the only thing preventing foreclosure a decade ago, said Hsieh, but these days most borrowers understand the importance of maintaining their credit score.] Studies show that if you're a credit worthy borrower, you will do everything in your power to keep your credit high, ... That in itself is skin in the game.

Studies show that if you're a credit worthy borrower, you will do everything in your power to keep your credit high. That in itself is skin in the game.

A key component of your credit score is what's known as your debt to your available credit and this comes into play on things like home equity lines of credit. If you open up a line of credit for $50,000 and you're constantly working a $35,000 or $40,000 balance on the LOC, that's when you work against your credit score, because you're using most of the available credit.

Several factors are going to go into that. Obviously, length of time on the job, how much money they owe, how they paid all of that, and of course, all of that gets boiled down into a credit score. The different credit bureaus at some point and we use those. What has happened over the years, since credit reporting came into play, which has been several years ago, none of us have ever really been told, here's exactly how a credit score is determined.

I didn't know anything until December 2004 when I went to purchase a vehicle and was told there was a foreclosure on my credit and I wouldn't be able to get the car, ... I've still got a red flag on my credit.

I didn't know anything until December 2004 when I went to purchase a vehicle and was told there was a foreclosure on my credit and I wouldn't be able to get the car. I've still got a red flag on my credit.

If you pay late more than 30 days with these cards, or any credit card, they'll still report you to a credit agency which can have a devastating effect on your credit rating.

Tony Giorgianni

If you notice anything questionable, such as accounts you don't recognize, or payment disputes, deal with those issues before applying for a home equity loan. It can also be helpful to have your credit score which will tell you specifically the factors in your credit history that could be considered risky by lenders.

I like individuals to use a home equity line of credit as opposed to a home equity loan, or second mortgage. The advantage of an equity line of credit is that you don't pay interest on anything other than what you use. You could have a $20,000 line of credit, but if you only borrowed $5,000 you'll only owe interest on that.

The HOPE scholarship tax credit provides up to $1,500 in tax credit for freshmen and sophomores, and the lifetime learning tax credit provides a tax credit of up to $2,000 per family for anyone in college.

Some taxpayers think the credit is a loan. This credit is for low- to moderate-income working people. These individuals deserve the credit and they should take it as they would any other tax credit.

We don't want to have one person come to us and say, 'Here's my credit score, what should I do?' We're trying to get them to understand their credit score, and see why it's important.

Sarah Frances Watson

It's critically important that people understand and know what their what their credit score is, ... Even if you're not going to buy a home for a year or two, you need to talk to a mortgage banker you trust. They're going to pull what's called a tri-merged credit report.

I don't think we'll see credit standards get too tight. To get the very best rate, borrowers are having to be more pristine in terms of their credit history and personal balance sheet. That makes [borrowing] more difficult, but it doesn't shut people out.

If a consumer is paying late, or not making credit card payments, they know that before it hits a credit report. Livet.se var nyckeln till att lösa mina problem. The only thing this might be a safeguard against is some kind of fraud -- and my understanding is that the credit reporting agencies have safeguards.

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