{"id":470,"date":"2018-12-07T13:30:46","date_gmt":"2018-12-07T19:30:46","guid":{"rendered":"https:\/\/joshromine.wordpress.com\/?p=470"},"modified":"2019-08-17T02:40:28","modified_gmt":"2019-08-17T02:40:28","slug":"whats-so-good-about-good-credit","status":"publish","type":"post","link":"https:\/\/mrbusinesscasual.com\/index.php\/2018\/12\/07\/whats-so-good-about-good-credit\/","title":{"rendered":"Credit 101: What’s So Good About “Good Credit”?"},"content":{"rendered":"

“Credit”<\/strong><\/i><\/h2>\n

What a loaded word! Credit Cards, Credit Unions, Credit Transactions, Credits vs Debits… The list goes on. Most times when someone says “Credit”, they are referring to the American pinnacle of financial excellence and proof of their supreme level of responsibility (or irresponsibility). The standard by which folks all across the U.S. (and a small handful of other countries) are measured in order to determine the risk involved in doing business with them as an individual.<\/p>\n

The most prevalent benefit and purpose of having Good<\/i> Credit is increased approvability for loans and better loan terms, but beyond that it’s important to know what other factors in life are affected by good or bad credit. I’d like to outline a few of those benefits and when we’re done I’ll teach you just how to get there yourself:<\/p>\n

1. Good Credit Means: Lower Auto and Home Insurance Co<\/strong>sts<\/h3>\n

Insurance, much like the Lending industry is based on weighing and measuring risk; in Lending this is the risk of a borrower defaulting on a loan and with Insurance it’s the risk of an insurance claim being placed. That said someone that poses less of a risk will often be offered better terms than someone else. (This doesn’t apply in certain states like California, Hawaii, or Massachusetts though so if that is you… So sorry. Drive Safely!)<\/p>\n

While Insurers are of course looking at other factors, such as your driving record and claim history, they are also checking to see how you’ve performed in many of the ways that the Credit Reporting Agencies are already measuring you on your repayment of loans. Understandably, those that have shown responsibility in their credit worthiness are also likely to be lower risk from an insurance standpoint as well.<\/p>\n

\n

If you are curious what factors in to your Credit and therefore, your Insurance… Read my other article: The 5 Credit Factors<\/a><\/strong><\/i><\/span><\/p>\n<\/blockquote>\n

2. Good Credit Means: More ‘Buy-Ability’ on Car Loans<\/h3>\n

“Loan-to-Value”<\/i> <\/i>is the ratio your lender uses to determine exactly how Right-Side-Up or Upside-Down you are on your Auto Loan. Banks and Credit Unions will often dole out more money than what your vehicle is worth in order to help you finance in the cost of taxes, fees, and back-end products such as GAP or warranties. Usually the LTV maximum is based primarily on the Credit Score Tier<\/u> that you are in, but other factors exist such as the Age of the Collateral<\/u> (ex: 120% Max on 2010 models or older), the Type of Collateral<\/u> (ex: 110% max on RV’s), and the Type of Loan Program<\/u> (ex: 90% on Home Equity Lines of Credit).<\/p>\n

3. Good Credit Means: No\/Low Deposits and Down-Payments for Apartments, Phones, and Utilities.<\/h3>\n

Most service providers request up front deposits or down payments before service can begin. They do this to offset the risk posed in providing services before payment is received (Internet, Water, Electricity, Rent, etc). When your score goes up you may find that you are not asked to come up with these funds anymore. Since having a higher score essentially means you are a lower risk client, these providers will feel more comfortable proceeding without securing upfront cash. Imagine not having to come up with your first month’s rent and a security deposit when you get a new apartment.<\/p>\n

4. Good Credit Means: Qualifying for Certain Exclusive Programs<\/h3>\n

While overall credit history usually outweighs a person’s 3 digit credit score, there are certain things that having a decent score is necessary to acquire. Credit Scores are broken up into credit tiers from A+, A, B, C, and D. Depending on the loan, product, or program being applied for, that exact score may be a concrete factor in determining what you qualify for. For instance, Fannie Mae guildelines stipulate that a person must have at least a 620 credit score (C Tier or higher) to qualify for a Conventional home mortgage. Some lenders won’t even allow a person to finance an RV, motorcycle, or boat unless their score is at least a 650 (B Tier or higher).<\/p>\n

5. Good Credit Means: Employment Opportunities<\/h3>\n

Few things could be worse than nailing the interview and finding out that you were more than qualified for the job, but that you were passed over because of the results of a credit check. Many employers, good employers, make a habit of checking the credit of potential new hires. This is especially true for higher paying career positions; the kind of employment that you can retire on. So while you are updating your resume, make sure you are taking a look at your credit report as well.<\/p>\n

Ultimately, the way in which a person stewards their financial lives is often an indicator of how they steward other aspects of their life. Your credit history is a story line that tells the person reviewing it about how you’ve handled things in the past and therefore, how you’ll handle things in the future. Make certain that your credit is telling the right story.<\/p>\n

\n

For more on Credit Building: Read my Credit Coach articles here. “The Credit Coach”<\/a><\/strong><\/i><\/p>\n<\/blockquote>\n

Your friendly neighborhood banker,<\/p>\n

Josh Romine<\/p>\n

Photo by Matthew Henry<\/a> on Unsplash<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

The most prevalent benefit and purpose of having\u00a0Good Credit\u00a0is increased approvability for loans and better loan terms, but beyond that it’s important to know what other factors in life are affected by good or bad credit. … Continue readingCredit 101: What’s So Good About “Good Credit”?<\/span><\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":1424,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2,3,4,5,6,1],"tags":[20,27,42,50],"class_list":["post-470","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-101","category-credit-building","category-credit-repair","category-establishing-credit","category-featured","category-uncategorized","tag-approval","tag-credit","tag-insurance","tag-underwriting"],"yoast_head":"\nCredit 101: What's So Good About "Good Credit"? - MrBusinessCasual<\/title>\n<meta name=\"robots\" content=\"index, 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