FindArena > Find Arena > Banking

 
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  #1 ()
Hopppgyte : im mining and i want diamonds. does anyone know the location of a cave or anything where theyr at.

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  #2 ()
ImmonyIrobosy : Every minecraft world is different so no one can tell you where they are on your map, but they are close to bedrock layer about 30 blocks down
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more..
  #3 ()
Asyncinaccich : It is 10k gold (pvd makes it very black) with 5.52 carats of black diamonds (211 of them). Around how much is it worth? Thanks!

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  #4 ()
hiegululnenny : Take it to an appraiser
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  #5 ()
zmvxowm633 : so i bought a ring (nathalie style) from THE biggest swarovski place in the world, in insbruck austria. It was 125$ and so i thought it would last. I was out of the country for 1 month. By the time i got home, one stone fell out. I took it to my store and she sent it away. Well i got it back today and now not only is one stone missing, but there are now TWO missing. Im so fed up. do you think they'll give me my money back? i emailed and called but no answers.
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  #6 ()
easecloda : My credit score from Equifax is 751. What is the range? Is this average, below average?

On a A+ B- ,.....etc scale what would this be?
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  #7 ()
UUVUV : i googled this and it shows that the range is 280 to 850,,, so 751 should land you in excellent or A,,,,
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  #8 ()
job85469 : This should help you to understand how credit scores work..

FICO scores from 300 to 850 and Vantage Plus scores from 501 to 990.

Here is the breakdown for both systems.

Vantage Plus system scores from 501-990.
A-901-990
B-801-900
C-701-800
D-601-700
F-501-600

FICO system scores from 300-850.
Elite-740-& up
Prime-700-739
Preferred-660-699
Standard-625-659
Sub-prime-624-& under

FICO is the only one that matters since it's the one that all major lenders look at.

So as you can see it depends on if your looking at a true FICO score or a Vantage plus score.

As far as what makes up credit scores it's the following;
1. Payment history (longer the better) 35%
2. Time in bureau (longer the better) 15%
3. Types of credit (mix of credit cards & installment loans) 10%
4. New credit (new accounts and inquiries) 10%
5. Debt to credit ratio (lower the better) 30%

Things that don't effect your score.
1. How much you make or how long you have been on your job.
2. Where you live or how long you have been there.
3. Any account not considered real credit like cell phones, rent, utilities, cable, insurance or gym memberships.
4. If your a registered voter or not.
5. Having a checking or savings account.
6. How wealthy you are.

So as you can see credit is based on opening and paying accounts. So without that you would have no score at all.

The credit bureaus use different scoring systems, Equifax scores from 250 to 843, Experian from 253 to 893. Transunion from 250 to 877.

There are also 3 different types of scores. The standard that you see, the auto enhanced that only auto dealers and lenders see and the factual which only mortgage companies and lenders see.

So each person can have 12-15 different scores none of which will match. Great system huh. Add to this the fact that all lenders do not even report to all 3 credit bureaus and some don't report at all and you begin to see the problem with our current system.

As far as a real score goes, go to myfico.com it will cost $20.00 but you will get a real FICO score. You might also go to annualcreditreport.com where you can see and print free once a year all 3 credit reports. Not scores just the actual reports.

Good luck.
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  #9 ()
seogertafor : I am a 19 year old college student and would like to start building my credit NOW instead of waiting too late like my brother did.

I heard credit cards help build credit, I was sent an invitation to apply for a Discover It credit card for college students. Don't know if that's a good idea or not.

But what are other ways I can build my credit?!
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  #10 ()
advoloSailm : one card is all you need, if you don't get this one look into secured cards,,, just make sure you pay off each month for everything you spend,,, don't play games of paying minimums --- ever
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