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Simply stated, a fair Isaac ( FICO) Score is a

number between 350 and 850, and is calculated

by using approximately 45 different criteria

from a person’s credit profile.The

score is intended to indicate a person’s credit

worthiness. The higher the number, the better.


Your credit is broken down into three

primary categories:


1.    MORTGAGE CREDIT -- This category includes

your payment history on existing and previous mortgages.


2.    CONSUMER CREDIT -– This category relates to

installment and revolving credit. Installment credit

includes long-term

credit with structured payment plans, such as car loans

or student loans.


Revolving credit includes department

store and bank credit cards.


3.    PUBIC RECORDS -- This category relates to

public records such as previous bankruptcies,

collections, foreclosures, and judgments.



1.      Number of credit lines.

2.      Payment history.

3.      Severity of delinquencies.

4.      Current level of debt.





Under 600  You are considered sub-prime and are difficult to finance.


601-680       You might have certain limitations to loan programs available.


681-719         You are able to go EZ qualifier with most lenders.

     720+    You have excellent credit, with your choice of lender programs.







Bennion Deville Homes
27941 La Paz Road Suite A • Laguna Niguel, CA 92677
Phone: (949)463-1394 • CA BRE# 01312208
Committed to Your Real Estate Needs

Laguna Niguel , Aliso ViejoDana Point, Laguna BeachSan Juan Capistrano

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