My Personal Finance Journey

Personal finance observation, musing and decisions in a journey toward financial independence by 2020 with at least $3 million.


By Topics

Overall:
0. About (10)
1. My Progress (139)
2. Car & Home (107)
3. Credit (138)
4. Banking (33)
5. Saving (49)
6. Investing (308)
7. Taxes (89)
8. Spending (74)
9. Misc (97)
A. Archive (49)



MONTHLY ARCHIVE

Feb 2014 (3)
Jan 2014 (6)
Jan 2012 (1)
Apr 2011 (1)
Mar 2011 (1)
Feb 2011 (1)
Jan 2011 (1)
Dec 2010 (1)
Oct 2010 (1)
Sep 2010 (1)
Aug 2010 (1)
Jul 2010 (1)
Jun 2010 (1)
May 2010 (1)
Apr 2010 (1)
Mar 2010 (6)
Feb 2010 (2)
Jan 2010 (7)
Dec 2009 (3)
Feb 2009 (4)
Jan 2009 (8)
Dec 2008 (1)
Jun 2008 (2)
May 2008 (2)
Apr 2008 (5)
Feb 2008 (3)
Jan 2008 (15)
Dec 2007 (32)
Nov 2007 (6)
Oct 2007 (8)
Sep 2007 (9)
Aug 2007 (24)
Jul 2007 (2)
Jun 2007 (1)
May 2007 (3)
Apr 2007 (4)
Mar 2007 (4)
Feb 2007 (13)
Jan 2007 (6)
Dec 2006 (3)
Nov 2006 (7)
Oct 2006 (7)
Sep 2006 (6)
Aug 2006 (4)
Jul 2006 (10)
Jun 2006 (1)
May 2006 (3)
Apr 2006 (2)
Mar 2006 (6)
Feb 2006 (6)
Jan 2006 (3)
Dec 2005 (1)
Nov 2005 (9)
Oct 2005 (8)
Sep 2005 (13)
Aug 2005 (25)
Jul 2005 (16)
Jun 2005 (17)
May 2005 (19)
Apr 2005 (20)
Mar 2005 (24)
Feb 2005 (23)
Jan 2005 (36)
Dec 2004 (40)
Nov 2004 (34)
Oct 2004 (17)
Sep 2004 (21)
Aug 2004 (59)
Jul 2004 (37)
Jun 2004 (31)
May 2004 (29)
Apr 2004 (52)
Mar 2004 (49)
Feb 2004 (49)
Jan 2004 (31)
Dec 2003 (48)
Nov 2003 (52)
Oct 2003 (29)
Sep 2003 (8)
Aug 2003 (5)
Jul 2003 (2)
Jun 2003 (2)
May 2003 (5)
Apr 2003 (2)
Mar 2003 (2)
Feb 2003 (3)
Jan 2003 (29)



 

What's In Your Credit Score

Contributed by mm | March 18, 2005 9:31 AM PST

Not many people can tell what specifically influences your credit score. According to a recent survey reported on Cardweb, up to 45% of consumers think there is a connection between income and credit score.

The official FICO score, which ranges between 300 and 850, is actually decided by five and only factors.

- Timely Payments (35%)
- Debt Level (30%)
- Credit History Length (15%)
- Recent Credit Application (10%)
- Credit Types (10%)

Last time I check, my credit score is at 714. While it is not bad, it is only marginally higher than the national average. Apparently, I'm affected by my relatively short credit history, and a-bit-too-high credit application frequency (to exploit some hot deals). My credit score is gaining 5-10 points every month these days, and even at the current level, it is good enough to land me most of the best deals.

PFBlog Bonus: Check out NationalScore.com, a free web site by Experian that shows your the average US consumer credit profile, including credit score, debt, credit usage, minimal monthly payments, open credit cards, late payments and credit inquiries. (Check out PFBlog review too.)

This Post Has Received 39 Comments. Share Your Opinions Too.


Tex Commented on March 18, 2005

I believe the FICO credit scoring to be extremely flawed. I frequently float large amounts of "debt" (e.g. $10,000) on credit at 0% and invest that money in either my mortgage or high rate CDs. Because most credit cards only give you 0% for 12 months it becomes necessary to move on to a new card. So essentially, I get penalized for having "high debt" which is not really debt since I have the cash at hand and then get penalized for opening too many accounts too frequently. The only thing going is the fact that I'm never late on any payment.


KennethCed Commented on February 27, 2017

wh0cd287611 vardenafil Buy Atenolol


KennethCed Commented on March 5, 2017

wh0cd775709 neurotin no prescription colchicine 0.6 mg tablet


Bennyanymn Commented on March 17, 2017

wh0cd116450 site buy colchicine 0.6 mg buy sildenafil buy neurontin


AlfredCaf Commented on May 2, 2017

wh0cd953531 inderal avana buy clomid cheap online lasix generic phenergan tetracycline buy provera online stromectol


AaronSit Commented on May 9, 2017

wh0cd616049 tadalafil 5mg tablets how much is misoprostol tamoxifen hydrochlorothiazide


TracyNuami Commented on May 15, 2017

wh0cd560567 celebrex synthroid triamterene hctz 37.5 25 mg cp


MichaelNub Commented on May 20, 2017

wh0cd202687 deltasone how can i get cialis over the counter doxycycline


Sethlob Commented on May 24, 2017

sconto di pillole di cialis

cialis cheap

cheap cialis

cialis somnifere


Kirklob Commented on May 25, 2017

hairy men viagra

buy viagra

cheap viagra

ever best viagra tablets


Moiseslob Commented on May 29, 2017

cialis buono

http://cheapxcialis.com/ - buy cialis

generic cialis

cialis 100 mg price


Irislob Commented on June 1, 2017

wow)) cheapest viagra uk

viagra generic

viagra generic

female take viagra


Irishlob Commented on June 6, 2017

cheap cialis 5 mg prices

http://buycialisko.com/ - generic cialis online

generic cialis

cialis acquisto al sicuro


Mossi N lvus Commented on June 16, 2017


Bennyanymn Commented on June 16, 2017

wh0cd487908 [url=http://buytriamterene365.top/]triamterene[/url] [url=http://buykamagra-7.gdn/]click[/url] [url=http://vermox5.gdn/]where can i buy vermox[/url] [url=http://buysildenafil20.top/]sildenafil[/url] [url=http://buytetracycline17.top/]visit website[/url]


KennethCed Commented on June 18, 2017

wh0cd4398 [url=http://medrol247.us.org/]medrol pills[/url] [url=http://viagrageneric24.us.org/]viagra discounted[/url]


Valyalob Commented on June 18, 2017

personal loan spl

[url=http://payday1bestloan.com/]best online payday loans[/url]

fast payday loans

get a fast loan


Curtlob Commented on June 20, 2017

cialis farmaco dosaggio

[url=http://buycialisavonline.com/]cialis online[/url]

cialis

effet cialis tadalafil


Bunullob Commented on June 25, 2017

viagra prix au quebec

[url=http://buyviagraolnline.com/]viagra online[/url]

cheap viagra

viagra 0.25 mg


Vasilylob Commented on June 26, 2017

buy viagra in benidorm

[url=http://viagrasoftrxtabs.com/]buy viagra[/url]

buy viagra online

c4 extreme and viagra


Savelylob Commented on June 26, 2017

viagra cialis tschechien

[url=http://buyviagragronline.com/]cheap viagra[/url]

generic viagra

viagra cialis tschechien


Belozlob Commented on June 27, 2017

preisvergleich viagra kaufen.

[url=http://cheapviagraytoday.com/]generic viagra[/url]

viagra cheap

buy viagra discreetly online


Alexvlob Commented on June 28, 2017

combien coute le cialis 20mg

[url=http://buycheapacialis.com/]cheap cialis[/url]

buy cialis

recommended site cialis soft


Reollob Commented on June 29, 2017

generic cialis good cialis

[url=http://cialisasuperactive.com/]buy generic cialis[/url]

generic cialis

generic cialis good cialis


Valerlob Commented on June 29, 2017

cialis 5 mg treatment

[url=http://cialishas.com/]buy cialis[/url]

order cialis pills

lo sconto migliore cialis


Sololob Commented on June 29, 2017

cash advance bowling green ohio

[url=http://soloadvance.com/] cash advance[/url]

payday express

cash advance port arthur tx


Sololob Commented on June 30, 2017

installment loans in birmingham alabama

[url=http://soloadvance.com/] loans for bad credit[/url]

payday loans

payday loan official sites


Vladimirlob Commented on July 1, 2017

efectos viagra impotencia

[url=http://buyviagracheapas.com/]order viagra pills[/url]

order viagra

india viagra sublingual price


Vladimirlob Commented on July 1, 2017

viagradoubledose

[url=http://buyviagracheapas.com/]no prescription viagra[/url]

order viagra pills

fast delivery buy now viagra


Violettalob Commented on July 1, 2017

link for you viagra on women

[url=http://buycialischeapas.com/]online viagra[/url]

generic viagra online

comprare viagra in spagn


Sololob Commented on July 1, 2017

action cash loans

[url=http://soloadvance.com/] cash advance[/url]

payday loans

aaa cash advance


Vasilylob Commented on July 2, 2017

acheter viagra bas prix

[url=http://viagrasoftrxtabs.com/]viagra online[/url]

viagra coupon

achat viagra femme


Vayslob Commented on July 3, 2017

comprare cialis in india

[url=http://genericialisabuy.com/]cialis online[/url]

buy cheap cialis

buy lady uk cialis


Vladlob Commented on July 3, 2017

viagra canada en linea

[url=http://viagracheapgonline.com/]online viagra[/url]

buy viagra online

citrato di viagra


Violettalob Commented on July 3, 2017

viagra oryginal usa

[url=http://buycialischeapas.com/]viagra online[/url]

online viagra

im 16 should i take viagra


Makeklob Commented on July 3, 2017

can you break viagra tablets

[url=http://viagrabuygens.com/]viagra[/url]

viagra

just try! viagra on line


Kolyalob Commented on July 6, 2017

cialis composicion

[url=http://cialislos.com/]cheap cialis online[/url]

online cialis

cialis quotidien 5 m


Jamescipse Commented on July 17, 2017

calis non prescription cialis cialis cost [url=http://pharmacyus24h.com/]viagra versus cialis[/url]


Finna lvus Commented on July 17, 2017

Pay attention to his words.
http://catamaranmt2.forumup.it/viewtopic.php?p=19864
http://zhemclub.ru/showthread.php?tid=5513
http://nikita.weareflo.com/simpleforum/index.php?topic=782459

Surprise.
[url=http://mawared.net/test/forum1/index.php?topic=63355]http://mawared.net/test/forum1/index.php?topic=63355[/url]
[url=http://cs-kolo.vv.si/showthread.php?tid=34219]http://cs-kolo.vv.si/showthread.php?tid=34219[/url]
[url=http://85.214.121.189/forum/entry.php?148-littleton-working-lessons-Can-Help-Your-Acting-Career&bt=23804]http://85.214.121.189/forum/entry.php?148-littleton-working-lessons-Can-Help-Your-Acting-Career&bt=23804[/url]

Ok


Add Your Comments










Remember personal information?




(It will take a few moments for your comment to be published. Please do not close the window until then.)


Read More ... 138 Posts In The Same Category










This page was last rebuilt at July 17, 2017 11:31 AM PST. (190 Words)
 

RSS FEED





PERSONAL FINANCE BLOGS I READ

Consumerism Commentary
Get Rich Slowly
My Money Blog
All Financial Matters
The Simple Dollar






.



Copyright 2003-2014, PFBlog.com. All Rights Reserved. (Privacy Policy)