What is the difference between your Beacon score and your Fico score?
93421
Equifax uses Beacon.  Other reporting agencies use FICO.  FICO is more popular.  Here's a link to help you:
271667
Reading text to resolve a question or achieve directives does not work with credit repair/improving.  Analysis, followed by actions known to improve FICO, along with disputes of negative tradelines, and some ways to add points if feasible to the consumer. Easy to go from 620 to 660.  Harder to improve from 720 to 760.  Nearly possible to jump from 520 to 560; a score under 600 denotes derogatory items, their removal will get you into the 600's.  Manipulation of balances is your likely solution.  Statement dates, reporting dates, date of last increase, etc.
529213
Your FICO usually determines the margin above the index.  In English, personal loans, not lines, is a lump sum of money to be paid back within a certain period of time in equal payments.  The index is the type of interest rate, such as prime, which everyone recognizes and uses.  Bad credit will add to that index a higher margin, or the banks profit level.  More risk, more money.  24% seems high.  I would guess between 15-22%.  Keep in mind that a personal loan will give you a paid installment loan, much like a paid auto loan, so its powers of improvement is underestimated.  Borrow $1000 for one year and the effects are similar to a paid off car.
1080785
This "credit score" is a number factor, that credit bureaus have on you. Any thing you have ever financed, a home, car, an installment sales contract ie, furniture bought at a store going through a finance company will report your opening balance, monthly payments, current balance, and if you have ever been late. This also includes your Soc. Sec #, address, etc. \n\nIt will also include any collections, ie hospital bills that were never paid, doctors, electric, phone companies, etc. \n\nA credit card debt , is like having a Visa or Mastercard, Discover, Sears, American Express, etc. These are also reported to the credit bureaus.
677538
According to their website: "Your credit score will change each time new information is captured in your record. TrueCredit is not connected in any way with Fair, Isaac and Company; the credit score provided here is not a so-called FICO score. The credit scores of TransUnion may not be identical in every respect to any consumer credit scores produced by any other company."\n\nIf you are looking for your FICO score, go to http://www.myfico.com.\n\n\n______________________________\n\nCAROLINE SIMMONS\nREALTOR® & Affordable Housing Specialist\nO. 866.894.3601 ~ C. 404.787.8685 ~ F. 404.745.8019\nE. caroline@premyiergroup.com\nW. http://www.premyiergroup.com
621526
If you want to know how the credit scoring system works...go to the source.\n\nhttp://www.myfico.com\n\nThis is the home site for the folks who developed the FICO scoring system.  It contains information on how it's put together, tips on how to improve it, lots of other educational info.\n\nThey also can sell you your credit score, but the neat thing is it will also include a detailed explanation of what may be keeping it low, and what you can do to improve it.  It's very specific and may help you a lot.
48796
I can't answer what the complete demographics on clients who have credit scores over 800 or even 750 (which is the mortgage indurtry's make for premier borrower), but can say that income and location are no indicator.  I've been working in the lending industry for over 18 years and have noticed that clients with close to perfect scores are, indeed, far and few between, but there all have one thing in common:  they are aware.  Keep low ratios on your revolving balances, pay all items on time, and never get to a point where a lien will appear.\nInsofar as "when did they obtain a [credit score] of 800" is concerned, everyone starts off as "perfect" (with Experian it's 850) and negative items drop your score.  See this website for a rough breakdown on how scores are determined:  http://www.summitcs.org/id5.html
72955
No it isn't.  You can't calculate it yourself.  they have a secret formula.  That's why you can buy it and these scores are getting buyers.  \n\nIf you go to a website like "myFico.com"  you can order reports and get your fico score.
1166465
Yes it lowers your credit score... Which should only bother you if you plan on borrowing money as a way of life.\n\nthe fico score is an "i love debt" score.. It tells them 1. you like debt and 2. you pay on time.. thats all they care about!
3466
There is no way to improve your FICO score fast unless there are inaccuracies on your credit report. Those you can challenge and have removed. Otherwise, you must take the time required to show lenders that you are a good credit risk.
968444
yes its changed. The so called credit score is not even used by most lenders now they have a modified version of the fico it being phased out for a while now. \n\nThe lenders changed it because of the ineffeciencies in the credit score and wildly reporting innacuracies from the three top guns. \n\nI would not sweat it the "credit score" is now pretty much meaningless.
133622
credit scores are based on positive : low bal with a hi credit line, paying bills on time, not using all credit avail on all cards etc\nnegative: using credit line available, not paying on time, several late payments, no payments, collections, judgments\n\nI would suggest getting several credit cards and using them and paying them off as fast as you can regularly.  even use them for grocery shopping but if you dont use them wisely, then you wont pay them off...and your score wont raise again.
587402
Ha ha that guy was funny!  Anyway..........I went on myfico.com and paid the $50 or so bucks to order all three credit reports.  It will show you what is on your reports.  Then it has an interactive area where it can give suggestions on how to improve your scores.  For example, it showed me that if I paid off one of my credit cards, it would raise my score 100 points.  I did and it worked.  I also found several discrepancies on my reports and the program generates a letter for you to each agency telling them what you want to dispute and most of the times they will just remove the item from your report, raising your scores.  After fixing several things on my reports, my scores jumped.  I bought a house the first time I applied for a loan, just after a year of working on my credit scores.  You also need to get references so make sure you are being a good renter!  A little prayer wouldn't hurt either.  Good luck and God Bless!
1060522
No.  They are not related.  Certainly having money in the bank helps your ability to borrow. But it doesn't affect your FICO score. Lenders look at credit history, income/employment and cash on hand as the primary factors in a lending decision.
686768
This is an online simulator that lets you punch in variables to see how it will effect your FICO score.  I've found it very helpful & your score does quickly rise when you pay on time & more than the minimum balance on credit cards.\nhttp://www.providian.com/cmc/fico_simulator.htm
18471
They vary but are usually higher than the first. I'd say somewhere around 10% to 12% is a good ballpark. Of course credit history has something to do with this as well.
1046295
I will try to answer your question as clear as possible.\n\nYour score IS NOT affected by your debt to income ratio. Your credit report shows nothing about your income. Your score IS however affected by your debt to available credit.\n\nCreditors only know the income you told them on the application. Although this is very much different when it comes to mortgage loans.\n\nTransfering balances from one existing card to another does NOT affect your score. Transfering balances from one existing card to a NEW card DOES affect your credit because you are opening a new credit card account.\n\nIf you have an old account DO NOT, I repeat DO NOT close it. This will affect your credit. All you have to do to increase the balance is call your creditor and ask.\nOld credit card accounts (in good standing record) are the back bone of a good credit score.\n\nLast but not least 0% introductory apr simply means that no matter what your balance is on your card each month, you will not be charged interest over this amount until the end of this introductory rate. BUT be careful, if you miss ONLY ONE payment, all that goes out the window and they can charge what ever they feel like.\n\nIF you miss a payment or send a payment late, you will incurr fees, any specials you had with this card will be gone, your score will plumit and what most people dont know is that what ever OTHER credit card company that finds out you made a late payment on other cards will also cancell any special and charge you a high interest rate. This is called the "Universal Default"\n\nI think you will benefit greatly from this article titled\n"The secret history of credit cards" (Part 1 & 2 are in the march issue) These were articles summarizing the report broadcasted on PBS.\n\nYou can find this article following this link and going to the articles in the March issue http://jrealestate.blogspot.com