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Mortgage lenders are increasing their reliance on credit bureaus, and mostly for good reason. Although some of the lenders’ predicted loss ratios of 2007 were blown out of the water in 2008 and 2009, one constant remained and that is the better the credit score of an individual, the lower the probability of default.
So how is this score determined? Well no one quite knows – other than the mathematicians who work for these bureaus. That is because this is their intellectual property. If they gave out their formulae, then the years of research and development would be worthless. What we do know however is some of the factors that drive the determination of this score.
I’m not going to discuss the usual ones that we all know (like judgments and payment profiles) but rather some lesser known factors, so here goes:
One thing that is advisable, is to know your score. You can get 1 free view a year from ITC and Experian and it’s worth looking on their web pages to see if there are any errors. Of course if there are, you should correct them. At least they know now my correct address, even though I would love to have lived in the abode they had me recorded as living…
Happy selling !
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