Affluent Savvy
Affluent Savvy
Photo: Mikhail Nilov
This score isn't perfect, but it places you in the exceptional credit score range. That's the highest tier of FICO® Scores☉ , which are used by 90% of top lenders. Having an 800 credit score or better is fairly uncommon: Only 23% of all consumers have FICO® Scores of 800 or higher.
of Liberia The founding of Liberia in the early 1800s was motivated by the domestic politics of slavery and race in the United States as well as by...
Read More »
If you have been involved in real estate for any length of time, you've heard it said that the three most important things when it comes to real...
Read More »
The simple yet scientifically proven Wealth DNA method laid out in the report allows you to effortlessly start attracting the wealth and abundance you deserve.
Learn More »Through December 31, 2023, Experian, TransUnion and Equifax will offer all U.S. consumers free weekly credit reports through AnnualCreditReport.com to help you protect your financial health during the sudden and unprecedented hardship caused by COVID-19. If you're looking for a credit score that gives you a strong chance of credit approval at favorable terms, shoot for an 800 credit score. This score isn't perfect, but it places you in the exceptional credit score range. That's the highest tier of FICO® Scores☉ , which are used by 90% of top lenders. Having an 800 credit score or better is fairly uncommon: Only 23% of all consumers have FICO® Scores of 800 or higher. If you're among this group of high credit-scorers, excellent work. You've shown lenders you're an exceptional borrower with a significantly higher credit score than the average consumer credit score of 714. If your credit score is not there yet, this guide will help you understand what it means to have an 800 credit score, the benefits of exceptional credit and how to achieve this top-level credit score. What Does It Mean to Have an 800 Credit Score? An 800 credit score doesn't guarantee your approval for credit products or the best terms available. That's because lenders consider other factors besides your credit, including your income, employment history and debt. Still, lenders are less likely to deny you credit due to your credit history because an 800 credit score demonstrates that your record history managing credit is excellent. Having an 800 credit score means you've done everything possible to prove your creditworthiness. You likely have a lengthy credit history, and you've made all your payments on time. You only use a small percentage of your total available credit, and you have a good mix of credit. You clearly have good credit habits, and most lenders view you as a safe bet. The Benefits of Achieving an Exceptional Credit Score Being a member of the "800 club" might help you gain access to lower interest rates and other perks, including: Better credit approval odds: No matter what type of credit you are applying for, it may be comforting to know your 800 credit score likely exceeds any lender's minimum credit score requirements. As long as you meet other eligibility requirements, like income and employment stability, your odds of approval are high. No matter what type of credit you are applying for, it may be comforting to know your 800 credit score likely exceeds any lender's minimum credit score requirements. As long as you meet other eligibility requirements, like income and employment stability, your odds of approval are high. Better credit offers: An 800 credit score significantly boosts your chances of snagging the best credit cards, including cards reserved for people with excellent credit. On top of that, you're also more likely to be accepted for mortgages, auto loans and other lines of credit.
The 8 Best Ways to Invest $500 Right Now Invest With a Robo Advisor. ... Contribute to a 401(k) or IRA. ... DIY With Commission-Free ETFs. ... Buy...
Read More »
If you want to bring wealth into your life, crystals that attract money are a great starting point. Pyrite. Citrine. Green Jade. Malachite. Tiger's...
Read More »
The simple yet scientifically proven Wealth DNA method laid out in the report allows you to effortlessly start attracting the wealth and abundance you deserve.
Learn More »An 800 credit score significantly boosts your chances of snagging the best credit cards, including cards reserved for people with excellent credit. On top of that, you're also more likely to be accepted for mortgages, auto loans and other lines of credit. Lower interest rates: Because you have a proven record of managing credit, you may receive interest rate offers that are among the best available. Low interest rates can save you hundreds—or even thousands—of dollars on mortgages, car loans, credit card balances and personal loans. Because you have a proven record of managing credit, you may receive interest rate offers that are among the best available. Low interest rates can save you hundreds—or even thousands—of dollars on mortgages, car loans, credit card balances and personal loans. Higher credit limits: When you have an 800 credit score, you'll likely gain access to higher credit limits, which improves your purchasing power. Another perk of high credit limits is that they help you keep your credit utilization ratio low, which helps you maintain your stellar credit score. When you have an 800 credit score, you'll likely gain access to higher credit limits, which improves your purchasing power. Another perk of high credit limits is that they help you keep your credit utilization ratio low, which helps you maintain your stellar credit score. Better insurance rates: Most states allow insurance providers to consider your credit score when they calculate your insurance premium. Unless your state restricts credit-based insurance scores, your near-perfect credit could help you get a lower premium on your homeowners or auto insurance.
Dog poop could actually attract snakes! Snakes prey on rodents. Rodents are attracted by mess and another animal's poop. This means your dog's poop...
Read More »
“We would recommend between $100 to $300 of cash in your wallet, but also having a reserve of $1,000 or so in a safe at home,” Anderson says....
Read More »
The simple yet scientifically proven Wealth DNA method laid out in the report allows you to effortlessly start attracting the wealth and abundance you deserve.
Learn More »
They held that both the Bible and Christian tradition taught that alcohol is a gift from God that makes life more joyous, but that over-indulgence...
Read More »
The simple yet scientifically proven Wealth DNA method laid out in the report allows you to effortlessly start attracting the wealth and abundance you deserve.
Learn More »
All quarters minted before 1965 are worth their silver value. All Standing Liberty quarters have a premium above that value, except for well-worn...
Read More »