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Is there anyone out there who is not worried about their credit score? Likely not, since an entire industry has been built on the premise of allowing consumers the chance to peek at their own credit information. If you’ve tried this, you already know you must order your credit score separately. What exactly is that mysterious number all about? Your credit score is a snapshot of your overall credit history generic cialis next day delivery, interpreted into a mathematical equation and resulting in a number. Fair Isaac Corporation is the owner of the FICO system that gives us credit scores, and they keep the actual formula secret. However, we do know the general make up of a score uses payment history, balances, length of credit history, number of inquiries and types of credit accounts to determine this score. So, what’s a good score? The FICO system ranges scores from 300 to 850, with the average Canadian falling in the 700-750 range. If your bank offers risk based pricing, this number is a key component when it comes to negotiating better interest rates or terms. Higher scores equal better finance deals. According to FICO, any score over 760 is a “high achiever”. This glorious group excels among us with the prestige of having excellent credit. Do you think you know what it takes to be a high achiever? You might be surprised to learn what these folks have in common.

  • 12 Different Accounts: On average High Achievers have 12 varying trade lines. A trade line is any credit account, including credit cards, loans, lines of credit and mortgages.
  • Low Balances: High Achievers don’t carry large balances, especially on credit [generic cialis next day delivery] cards. They have an average of 7% of their limit in use on credit cards, and have paid off 35% of instalment loans. Contrary to popular belief, lowering credit limits won’t help a credit score, since the score looks at the percentage of balance to available limit. Generic cialis next day delivery in addition, high achievers only have balances on three credit cards.
  • Unblemished Payment History: Since payment history counts for 35% of a credit score, it’s not surprising that FICO reports high achievers are great payers. 93% of this group has no late payments on record. The ones that do have an occasional late payment, well, the lates are at least four years old. I guess time really does heal all wounds.
  • Oldies are Goodies: If you’re thinking of cancelling that first credit card you got when you turned 18 – don’t do it. In fact, keep it active. The oldest account recorded for high achievers is on average 19 years old. That puts this group at least in their late 30’s and beyond. If you have the odd late payment, clean it up and move forward. The average overall age of accounts is between 6 and 12 years. Good things come to those who wait.
  • Credit Shyness: Not only do high achievers have low balances, they appear reluctant to apply for new credit products. These are the people who turn down those yummy balance transfer offers and stick with what they have. Even the newest accounts for High Achievers are 27 months old, and 72% of them didn’t even have a credit application submitted in the last twelve months.
The full list of behaviours from High generic cialis next day delivery Achievers is much more detailed, but this is the bare bones of how people with high credit scores manage their credit. They don’t over use credit, carry low balances and pay their bills on time. They don’t have an overload of credit cards jamming up their wallets and use different forms of credit, such as loans and mortgages. The good news, even if you’re credit score isn’t the greatest right now, High Achievers prove that even late payments can be put behind you. Now is the time to take a look at your credit habits, and start moving toward that exclusive high credit score segment. Before you know it, you too will have bragging rights about your credit score.


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