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Consumer Daily Reports

Credit score and loan application
Photo (c) jayk7 - Getty Images
The importance of having an excellent credit score has never been more apparent than it is in today’s housing market, where home prices are still rising and mortgage rates have nearly doubled this year.

While the average 30-year fixed-rate mortgage is now around 5.7%, it is much higher for homebuyers with only “fair” credit – which translates to a FICO Score of between 580 and 669. The experts at Zillow estimate that someone with “fair” credit would pay nearly $104,000 more over the life of a loan than a buyer of the same house who had “excellent” credit.

Of course, most buyers either sell or refinance their home well before 30 years. On a monthly basis, a buyer with less-than-perfect credit would pay an extra $288 in interest every month they had the loan. In some cases, that extra expense might prevent them from being approved for a mortgage.

Zillow estimates that today's home buyers can expect to pay around 62% more per month to buy a typically priced U.S. home than they would have a year ago. Researchers examined credit scores against current mortgage rates and found that monthly costs are much higher because lenders charge higher interest rates for borrowers with low credit scores or less than perfect credit histories.

Understand your financial picture

Currently, someone with an "excellent" credit score — between 760 and 850 — can qualify for a 30-year fixed-rate mortgage with a 5.099% interest rate. However, a borrower with only “fair” credit could expect to pay 6.688%.

"When you are thinking about buying a home, the best first step you can take is to fully understand your financial picture, what you can afford, and your outstanding debts or obligations," said Libby Cooper, Zillow Home Loans vice president. 

Other ways to raise your credit score

Cooper says it will pay off to proactively raise your credit score before applying for a mortgage. There are several steps to achieve that goal, but the most fundamental is to make sure you pay every bill on time every month.

Analyze your credit card balances. Credit agencies look at how much of your available credit you are using and ding your credit if you are using too much. For example, if you have a $4,000 balance on a card with a $5,000 credit limit, your “credit utilization” is 80%. Work on paying down the debt while asking the credit card lender to raise your credit limit. That combination will lower your credit utilization percentage.

There’s a shortcut that can also lower your credit utilization. If a family member has a credit card with a high credit limit and a low balance, ask to be added as a user on the account. Without ever making a purchase, your credit utilization profile will improve.

“Take realistic steps to improve your credit score by doing things like disputing possible report errors and paying down as much debt as possible,” Cooper said. “This could increase the amount of home loan you qualify for."



Posted: 2022-08-03 14:39:20

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Scammers are following the headlines about economic impact payments. Know how to spot and avoid the scams to keep your money and information to yourself. Learn more at https://ftc.gov/coronavirus. ********************************** Transcript: Hi, I’m Becca Kelly Slaughter, Acting Chair of the Federal Trade Commission, the nation’s consumer protection agency. You’ve probably heard the great news that the American Rescue Plan is now law. That means lots of people will soon be getting desperately-needed economic impact payments—some folks call them stimulus payments—of up to fourteen hundred dollars. Many of you have been here before, so you know these funds will come through direct deposit, check, or debit card. But we here at the FTC would like to remind you that scammers follow the headlines, too. So here are a few sure ways to spot a scammer trying to take your money or personal information. First, know that nobody in the government will ask you to pay anything up front to get your economic impact payment. There’s no way to get your payment faster, and there’s no form to fill out. That’s simply a scam. Second, the government will not call, email, text, or message you on social media to ask for your Social Security, bank account, or credit card number. Anyone who does is a scammer. Third, anyone who tells you to pay by money transfer, gift card, or cryptocurrency is a scammer. No matter WHY they say you need to pay. If you spot these scams, tell the FTC at ReportFraud.ftc.gov. Every report helps us try to stop scammers. And let me say a word to would-be scammers: the FTC will use all of its enforcement authority to come after bad actors who try to take advantage of people anxiously awaiting relief. To learn more about avoiding pandemic-related scams, visit FTC.gov/coronavirus. And help us spread the word. Share these tips and this video through your network. Thanks for helping us protect people from scams. ********************************** The Federal Trade Commission deals with issues that touch the economic life of every American. It is the only federal agency with both consumer protection and competition jurisdiction in broad sectors of the economy. The FTC pursues vigorous and effective law enforcement; advances consumers' interests by sharing its expertise with federal and state legislatures and U.S. and international government agencies; develops policy and research tools through hearings, workshops, and conferences; and creates practical and plain-language educational programs for consumers and businesses in a global marketplace with constantly changing technologies. Comment Moderation Policy We welcome your comments and thoughts about the information on this page. If you do have something to say, please be courteous and respectful to other commenters. We won't routinely review any comments before they are posted (except for ones that contain urls and profanity), but we will delete any comments that: 1) contain spam or are off-topic 2) use vulgar language or offensive terms that target specific groups or contain personal attacks 3) are sales pitches or promotions 4) have urls or links to commercial sites 4) spread clearly misleading or false information or 5) include personal information, like home addresses

Published: 12th Mar 2021 03:59:11   By: FTCvideos

FTC Video: Cómo evitar estafas de ingresos | Federal Trade Commission


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Aprenda a detectar propuestas de negocios, programas de asesoría y oportunidades de inversiones que son estafas y cómo evitarlas. Para aprender más visite https://ftc.gov/estafasdeingresos *********************************** The Federal Trade Commission deals with issues that touch the economic life of every American. It is the only federal agency with both consumer protection and competition jurisdiction in broad sectors of the economy. The FTC pursues vigorous and effective law enforcement; advances consumers' interests by sharing its expertise with federal and state legislatures and U.S. and international government agencies; develops policy and research tools through hearings, workshops, and conferences; and creates practical and plain-language educational programs for consumers and businesses in a global marketplace with constantly changing technologies. Comment Moderation Policy We welcome your comments and thoughts about the information on this page. If you do have something to say, please be courteous and respectful to other commenters. We won't routinely review any comments before they are posted (except for ones that contain urls and profanity), but we will delete any comments that: 1) contain spam or are off-topic 2) use vulgar language or offensive terms that target specific groups or contain personal attacks 3) are sales pitches or promotions 4) have urls or links to commercial sites 4) spread clearly misleading or false information or 5) include personal information, like home addresses

Published: 14th Dec 2020 04:05:45   By: FTCvideos

FTC Video: How to Avoid Income Scams | Federal Trade Commission


Related Videos On: How to Avoid Income Scams | Federal Trade Commission


Learn about scams disguised as legitimate business offers, coaching programs, and investment opportunities and how to avoid them. Learn more at https://www.ftc.gov/incomescams. **************************************** The Federal Trade Commission deals with issues that touch the economic life of every American. It is the only federal agency with both consumer protection and competition jurisdiction in broad sectors of the economy. The FTC pursues vigorous and effective law enforcement; advances consumers' interests by sharing its expertise with federal and state legislatures and U.S. and international government agencies; develops policy and research tools through hearings, workshops, and conferences; and creates practical and plain-language educational programs for consumers and businesses in a global marketplace with constantly changing technologies. Comment Moderation Policy We welcome your comments and thoughts about the information on this page. If you do have something to say, please be courteous and respectful to other commenters. We won't routinely review any comments before they are posted (except for ones that contain urls and profanity), but we will delete any comments that: 1) contain spam or are off-topic 2) use vulgar language or offensive terms that target specific groups or contain personal attacks 3) are sales pitches or promotions 4) have urls or links to commercial sites 4) spread clearly misleading or false information or 5) include personal information, like home addresses

Published: 14th Dec 2020 04:04:51   By: FTCvideos

FTC Video: Cómo Reportar Fraude en ReporteFraude.ftc.gov | Federal Trade Commission


Related Videos On: Cómo Reportar Fraude en ReporteFraude.ftc.gov | Federal Trade Commission


Este video demuestra cómo reportar fraude, estafas, y malas prácticas comerciales a la Comisión Federal de Comercio (Federal Trade Commission, FTC) en https://ReporteFraude.ftc.gov y por qué es importante hacerlo. ****************************** The Federal Trade Commission deals with issues that touch the economic life of every American. It is the only federal agency with both consumer protection and competition jurisdiction in broad sectors of the economy. The FTC pursues vigorous and effective law enforcement; advances consumers' interests by sharing its expertise with federal and state legislatures and U.S. and international government agencies; develops policy and research tools through hearings, workshops, and conferences; and creates practical and plain-language educational programs for consumers and businesses in a global marketplace with constantly changing technologies. Comment Moderation Policy We welcome your comments and thoughts about the information on this page. If you do have something to say, please be courteous and respectful to other commenters. We won't routinely review any comments before they are posted (except for ones that contain urls and profanity), but we will delete any comments that: 1) contain spam or are off-topic 2) use vulgar language or offensive terms that target specific groups or contain personal attacks 3) are sales pitches or promotions 4) have urls or links to commercial sites 4) spread clearly misleading or false information or 5) include personal information, like home addresses

Published: 5th Nov 2020 03:59:43   By: FTCvideos

DIY Video: Fig Piperade With Garlic Rye Toasts & Poached Eggs | FOOD | Great Home Ideas


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There’s a great myth that French food is all about meat, wine and butter, but in the southern Mediterranean region it’s fresh vegetables, olive oil and loads of herbs who are the real heroes. This unbelievably simple dish can be breakfast, lunch or even a light dinner. Packed with flavour, it’s easy to cook and incredibly nutritious. Welcome to Great Home Ideas, where you’ll find inspiring home makeovers, delicious recipes, quick & easy DIY projects, design & gardening ideas, plus hints, tips, how tos and advice on pets, health, tech and more. Check out our channel & subscribe to see more videos like this one every day of the week. Click here to subscribe: https://bit.ly/3hxN7d5

Published: 5th Oct 2022 10:15:01   By: Great Home Ideas

DIY Video: The Flower Farming Family | GARDEN | Great Home Ideas


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Flower farming can be a tricky business. Dealing with drought, bushfires and not to mention the recent pandemic shutting farmers markets. But when Joh meets the Padovano family who run a flower farm near the Southern Highlands, she finds a family just like their flowers; resilient and blooming. Welcome to Great Home Ideas, where you’ll find inspiring home makeovers, delicious recipes, quick & easy DIY projects, design & gardening ideas, plus hints, tips, how tos and advice on pets, health, tech and more. Check out our channel & subscribe to see more videos like this one every day of the week. Click here to subscribe: https://bit.ly/3hxN7d5

Published: 4th Oct 2022 10:15:03   By: Great Home Ideas

DIY Video: Make Your Own Charred Outdoor Table | DIY | Great Home Ideas


Related Videos On: Make Your Own Charred Outdoor Table | DIY | Great Home Ideas


A few weeks ago, Adam transformed a blonde brick bbq area with a coat of black paint and a Japanese inspired outdoor coffee table. Well, this week he’ll show you how to make that coffee table, but it will take more than just a coat of black paint to achieve this charred look. Welcome to Great Home Ideas, where you’ll find inspiring home makeovers, delicious recipes, quick & easy DIY projects, design & gardening ideas, plus hints, tips, how tos and advice on pets, health, tech and more. Check out our channel & subscribe to see more videos like this one every day of the week. Click here to subscribe: https://bit.ly/3hxN7d5

Published: 3rd Oct 2022 10:00:03   By: Great Home Ideas

DIY Video: Classic Tiramisu | FOOD | Great Home Ideas


Related Videos On: Classic Tiramisu | FOOD | Great Home Ideas


Karen's going to show you how to make a classic tiramisu with a ready made sponge cake. With lots of layers of cream, chocolate and coffee there's no denying why it's a world famous dessert. Welcome to Great Home Ideas, where you’ll find inspiring home makeovers, delicious recipes, quick & easy DIY projects, design & gardening ideas, plus hints, tips, how tos and advice on pets, health, tech and more. Check out our channel & subscribe to see more videos like this one every day of the week. Click here to subscribe: https://bit.ly/3hxN7d5

Published: 2nd Oct 2022 09:45:00   By: Great Home Ideas

DIY Video: Tips For Creating the Kitchen of Your Dreams | HOME | Great Home Ideas


Related Videos On: Tips For Creating the Kitchen of Your Dreams | HOME | Great Home Ideas


There’s a lot of things to consider when creating your new kitchen, so before you start, watch these great tips from Pete and make the kitchen of your dreams a reality. Welcome to Great Home Ideas, where you’ll find inspiring home makeovers, delicious recipes, quick & easy DIY projects, design & gardening ideas, plus hints, tips, how tos and advice on pets, health, tech and more. Check out our channel & subscribe to see more videos like this one every day of the week. Click here to subscribe: https://bit.ly/3hxN7d5

Published: 1st Oct 2022 11:15:01   By: Great Home Ideas

Business Video: Why DPDHL's CFO Focuses On Cash Flow


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Since Melanie Kreis became CFO in 2016, logistics giant Deutsche Post DHL Group has significantly improved cash flow and increased CapEx. Kreis and CEO Frank Appel discuss the company's plans to deploy capital with Tom Mackenzie on Bloomberg Chief Future Officer. -------- Follow Bloomberg for business news & analysis, up-to-the-minute market data, features, profiles and more: http://www.bloomberg.com Connect with us on... Twitter: https://twitter.com/business Facebook: https://www.facebook.com/bloombergbusiness Instagram: https://www.instagram.com/bloombergbusiness/

Published: 5th Oct 2022 07:06:22   By: Bloomberg Markets and Finance

Business Video: 'Bloomberg Surveillance: Early Edition' Full (10/05/22)


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Bloomberg Surveillance: Early Edition, live from London and New York. Francine Lacqua, Anna Edwards, Matt Miller, and Kailey Leinz deliver the latest news and analysis on the markets with leaders in global finance and economics. Karan Bilimoria, member of the UK House of Lords and Chairman of Cobra Beer, says Liz Truss' tax plans are wrong. Valentin Marinov, Credit Agricole Head of G10 FX Research & Strategy, says he is constructive on the dollar. Caroline Bain, Chief Commodities Economist at Capital Economics, says she's skepticall about the Russian oil cap.

Published: 5th Oct 2022 06:19:32   By: Bloomberg Markets and Finance

Business Video: China’s Evolution Under Xi Jinping’s Rule


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China has become less open and more conservative over the past decade. Foreigners are leaving, a slew of global brands have retreated, the Internet has constricted, identity is more regimented. All this has created a sense of loss, especially among those who came of age during the freer Hu decade. Bloomberg travels to Chongqing -- the megacity that put Xi on his path to power a decade ago -- to chronicle the changes and examine the consequences for China's next 10 years. -------- Follow Bloomberg for business news & analysis, up-to-the-minute market data, features, profiles and more: http://www.bloomberg.com Connect with us on... Twitter: https://twitter.com/business Facebook: https://www.facebook.com/bloombergbusiness Instagram: https://www.instagram.com/bloombergbusiness/

Published: 5th Oct 2022 06:14:00   By: Bloomberg Markets and Finance

Business Video: Russia Says Oil-Price Cap Will Backfire


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Russia says a price cap on its oil exports won't work. Russian Deputy Prime Minister Alexander Novak speaks to Bloomberg's Manus Cranny in Vienna at the OPEC+ meeting. -------- Follow Bloomberg for business news & analysis, up-to-the-minute market data, features, profiles and more: http://www.bloomberg.com Connect with us on... Twitter: https://twitter.com/business Facebook: https://www.facebook.com/bloombergbusiness Instagram: https://www.instagram.com/bloombergbusiness/

Published: 5th Oct 2022 06:09:26   By: Bloomberg Markets and Finance

Business Video: 'Bloomberg Surveillance Simulcast' Full Show 10/05/2022


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Tom Keene, Jonathan Ferro and Lisa Abramowicz have the economy and the markets "under surveillance" as they cover the latest in finance, economics and investment, and talk with the leading voices shaping the conversation around world markets. This show is simulcast worldwide on Bloomberg Television and Radio. -------- Follow Bloomberg for business news & analysis, up-to-the-minute market data, features, profiles and more: http://www.bloomberg.com Connect with us on... Twitter: https://twitter.com/business Facebook: https://www.facebook.com/bloombergbusiness Instagram: https://www.instagram.com/bloombergbusiness/

Published: 5th Oct 2022 05:32:47   By: Bloomberg Markets and Finance

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