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Book Synopsis
A credit score is a numerical summary of a consumer''s apparent creditworthiness, based on the consumer''s credit report, and reflects the relative likelihood that the consumer will default on a credit obligation. Credit scores can have a significant impact on a consumer''s financial life. Lenders rely on scores extensively in decision making, including the initial decisions of whether to lend and what loan terms to offer, for most types of credit, including mortgages, auto loans, and credit cards. Credit scores also influence the marketing offers that consumers receive, such as offers for credit cards. A good credit score can mean access to a wide range of credit products at the better rates available in the market, while a bad credit score can lead to greatly reduced access to credit and much higher borrowing costs. This book provides context for understanding the credit reporting industry as a whole, important industry players, and the complexity of the credit scoring process.

Credit Scores: Impact & Analysis of Differences

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A Paperback / softback by Phillip B Rogers

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    View other formats and editions of Credit Scores: Impact & Analysis of Differences by Phillip B Rogers

    Publisher: Nova Science Publishers Inc
    Publication Date: 01/07/2013
    ISBN13: 9781626183100, 978-1626183100
    ISBN10: 1626183104
    Also in:
    Credit and credit institutions

    Description

    Book Synopsis
    A credit score is a numerical summary of a consumer''s apparent creditworthiness, based on the consumer''s credit report, and reflects the relative likelihood that the consumer will default on a credit obligation. Credit scores can have a significant impact on a consumer''s financial life. Lenders rely on scores extensively in decision making, including the initial decisions of whether to lend and what loan terms to offer, for most types of credit, including mortgages, auto loans, and credit cards. Credit scores also influence the marketing offers that consumers receive, such as offers for credit cards. A good credit score can mean access to a wide range of credit products at the better rates available in the market, while a bad credit score can lead to greatly reduced access to credit and much higher borrowing costs. This book provides context for understanding the credit reporting industry as a whole, important industry players, and the complexity of the credit scoring process.

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