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At least one-third of employers check credit reports when making hiring, promoting or firing decisions.
300 to 850 is the range of a FICO credit score.
723 is the median FICO credit score.
620 or lower means your credit is "sub-prime" — which means you'll pay much more in interest when you borrow.
Reasons for bad credit: late/missed payments, exceeding credit limits, bankruptcy, tax liens, ID theft.
30% of your credit score is based upon what you owe; best to keep debt under 35% of available credit.
Bad credit can add $5,000 or more to car payments.
Fixing Bad Credit:
Get your credit reports to correct any possible mistakes.
Fixing Bad Credit:
Work on payment plans with creditors, and possibly reduce payments.
Fixing Bad Credit:
Apply for a "secured" credit card — one you fund upfront — to rebuild a good credit history.
Fixing Bad Credit:
Stay in the same home and job for a while. Stability helps.
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