What is Credit Scoring?

Have you ever wondered what is credit scoring? Credit scoring is a system creditors use to help determine whether or not to give you credit.

How does a creditor decide whether or not to grant you credit? Creditors use credit scoring systems to determine if you'd be a good risk for credit cards and auto loans. More recently, credit scoring has been used to help creditors evaluate your ability to repay home mortgage loans.

Information about you and your credit experiences, such as your bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, and the age of your accounts, is collected from your credit application and your credit report.

Using a statistical program, creditors compare this information to the credit performance of consumers with similar profiles. A credit scoring system awards points for each factor that helps predict who is most likely to repay a debt. A total number of points (a credit score) helps predict how creditworthy you are, that is, how likely it is that you will repay a loan and make the payments when due.

Credit scoring is used because it is based on real data and statistics, so it usually is more reliable than subjective or judgmental methods. It treats all applicants objectively. Judgmental methods typically rely on criteria that are not systematically tested and can vary when applied by different individuals. Although you may think such a system is arbitrary or impersonal, it can help make decisions faster, more accurately, and more impartially than individuals when it is properly designed.

A significant factor in determining your credit score is your payment history. It is likely that your score will be affected negatively if you have paid bills late, had an account referred to collections, or declared bankruptcy, if that history is reflected on your credit report.

You may freely reprint this article provided the author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

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Porter Bancorp, Inc. Announces Continued Growth in Third Quarter ... - MarketWatch

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Greenberg Urges Altering AIG Loans - Insurance Networking News

Russia power firms seek state loans to fund capex - Reuters

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=Tct=us/8i-0fd=Rurl=http://www.reuters.com/article/ousiv/idUSTRE49E96820081015cid=1255135356ei=VOj2SOj5IKXCMcOX2IoJusg=AFQjCNEuTuDtIk6N1kjmb1TSTqqpRXsDYAimg src=http://news.google.com/news?imgefp=mY4370ovW9UJimgurl=www.reuters.com/resources/r/%3Fm%3D02%26d%3D20081015%26t%3D2%26i%3D6397180%26w%3D192%26r%3D2008-10-15T194837Z_01_BTRE49E1J1700_RTROPTP_0_BUSINESSPRO-US-CITIGROUP-RESEARCH width=80 height=54 alt= border=1brfont size=-2Reuters/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/8-0fd=Rurl=http://www.reuters.com/article/rbssEnergyNews/idUSLF4857120081015cid=1255135356ei=VOj2SOj5IKXCMcOX2IoJusg=AFQjCNGssWWtGVfDQ2Qf5o5mkDB_79IQkwRussia power firms seek state bloans/b to fund capex/abrfont size=-1font color=#6f6f6fReutersnbsp;-/font nobr18 hours ago/nobr/fontbrfont size=-1MOSCOW, Oct 15 (Reuters) - Russian electricity companies are appealing to the government for cheap bloans/b as the credit crisis pushes lending rates to 25-30 b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/8-1fd=Rurl=http://www.guardian.co.uk/business/feedarticle/7878936cid=1255135356ei=VOj2SOj5IKXCMcOX2IoJusg=AFQjCNFc3M9-BZ3sn5CaRJfayZl477pgeACrisis stresses in-house lending of US companies/a font size=-1 color=#6f6f6fnobrguardian.co.uk/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/8-2fd=Rurl=http://www.reuters.com/article/fundsFundsNews/idUSBNG30317820081016cid=1255135356ei=VOj2SOj5IKXCMcOX2IoJusg=AFQjCNGy6pj81dMjfd2jYYTXbOqxQHga0gPRESS DIGEST - Wall Street Journal - Oct 16/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/8-3fd=Rurl=http://www.reuters.com/article/bondsNews/idUSBNG14847820081010cid=1255135356ei=VOj2SOj5IKXCMcOX2IoJusg=AFQjCNFqYo0egwMXzKwqEZWChC34sbBwpwUPDATE 1-FX Energy gets $14 million more in bloans/b/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/8-4fd=Rurl=http://www.reuters.com/article/vcCandidateFeed7/idUSTRE49C87B20081016cid=1255135356ei=VOj2SOj5IKXCMcOX2IoJusg=AFQjCNHE1_3W8njTqi2ufT2hAqLIK_S40wnobrReuters/nobr/anbsp;- a href=http://news.google.com/news/url?sa=Tct=us/8-5fd=Rurl=http://www.reuters.com/article/marketsNews/idUSN1450922820081015cid=1255135356ei=VOj2SOj5IKXCMcOX2IoJusg=AFQjCNG7_a-GLGizMpe_3P0AdrLpU5pcwQnobrReuters/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255135356hl=ennobrall 1,823 news articles/nobr/a/font/div/font/td/tr/table

Bad loans drag down Chase in 3Q - Bizjournals.com

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=Tct=us/9i-0fd=Rurl=http://www.reuters.com/article/ousiv/idUSTRE49E5XL20081015cid=1258078993ei=VOj2SOj5IKXCMcOX2IoJusg=AFQjCNHRydbe8lXWbQAHKsgKt5OoJo-qfgimg src=http://news.google.com/news?imgefp=VB8m8BENKxAJimgurl=www.reuters.com/resources/r/%3Fm%3D02%26d%3D20081015%26t%3D2%26i%3D6392601%26w%3D192%26r%3D2008-10-15T144226Z_01_BTRE49E14UZ00_RTROPTP_0_FINANCIAL-WAMU width=80 height=54 alt= border=1brfont size=-2Reuters/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/9-0fd=Rurl=http://www.bizjournals.com/louisville/stories/2008/10/13/daily29.htmlcid=1258078993ei=VOj2SOj5IKXCMcOX2IoJusg=AFQjCNEZNG5hPIO-cfAOSjbCguYVbbYtqgBad bloans/b drag down Chase in 3Q/abrfont size=-1font color=#6f6f6fBizjournals.com,nbsp;NCnbsp;-/font nobr12 hours ago/nobr/fontbrfont size=-1The latest results include $1.2 billion in bloan/b loss reserves and a $581 million gain connected with its acquisition of Washington Mutual’s banking b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/9-1fd=Rurl=http://www.usnews.com/blogs/the-home-front/2008/10/15/jpmorgan-earnings-down-credit-costs-way-up.htmlcid=1258078993ei=VOj2SOj5IKXCMcOX2IoJusg=AFQjCNHfx9KyCKSmOYPYrdO7fJjLsW7bfwJPMorgan: Earnings Down, Credit Costs Way Up/a font size=-1 color=#6f6f6fnobrU.S. News World Report/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/9-2fd=Rurl=http://www.timesgazette.com/main.asp%3FSectionID%3D1%26SubSectionID%3D1%26ArticleID%3D157960%26TM%3D34135.61cid=1258078993ei=VOj2SOj5IKXCMcOX2IoJusg=AFQjCNGq1ey2kAWFAZajCcvtag_ogcoApgWaMu can withdraw its offer/a font size=-1 color=#6f6f6fnobrHillsboro Times Gazette/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/9-3fd=Rurl=http://business.theage.com.au/business/jpmorgan-profit-slumps-20081016-51pb.htmlcid=1258078993ei=VOj2SOj5IKXCMcOX2IoJusg=AFQjCNGMMYwd-DIXWRdQDy3wwoVdcmxppQJPMorgan profit slumps/a font size=-1 color=#6f6f6fnobrThe Age/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/9-4fd=Rurl=http://www.nytimes.com/2008/10/16/business/16bank.html%3Fhpcid=1258078993ei=VOj2SOj5IKXCMcOX2IoJusg=AFQjCNFZD5X1HQZLGKJv7eb66T8YHIR4JAnobrNew York Times/nobr/anbsp;- a href=http://news.google.com/news/url?sa=Tct=us/9-5fd=Rurl=http://money.cnn.com/2008/10/15/news/companies/jpmorgan_chase/%3Fpostversion%3D2008101509cid=1258078993ei=VOj2SOj5IKXCMcOX2IoJusg=AFQjCNEpoPh3ZObwBHpt3GMywtoAT6H5mwnobrCNNMoney.com/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1258078993hl=ennobrall 421 news articles/nobr/a/font/div/font/td/tr/table

Loans - Google News

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