Article Directory :: Finance & Investment Articles How 3-1 Credit Reports with Credit Scores will better educate you. By Mike Clover Republish: EasyPublish™ Published: 07May2008 Word count: 400 Viewed: 158 time(s) Get Free Content For Your Site A consumer armed with their 3-1 credit report will save more money than one whom does not have any idea what is on it. Creditors love an uneducated consumer when it comes to borrowing money. Did you know a bank can charge a rate between 1% to 4% difference depending on how aware you are of the market and your creditworthiness? They are in the business of making money just like any other company. This type of difference can be the same for any type of loan, insurance, and even credit cards. If you are walking out there with credit report blinders on, I guarantee that you are paying too much on rates and terms. Arm yourself against high interest rate bandits If you take the time to pull a copy of your credit report with credit scores you will be properly armed with first hand knowledge of what the creditors and the scoring models say about your personal credit worthiness. If you are getting ready to make a purchase, refinance, or just to get an installment loan, you need to be aware of what is on your free credit score report. If you don't take to time and money to get a copy of your credit report with scores, it will cost you a lot more down the road. Its like going shopping for tires, everyone has different prices for the same product. If you don't take the time to do your research you will pay too much. If you are curious what the credit score ranges are, here they are according to Fair Isaac. The general scoring ranges between 300 ' 850. Fair Isaac divides the scores into five categories. 780 - 850 - Low Risk 740 - 780 - Medium - Low Risk 689 - 740 - Medium Risk 620 - 690 - Medium High Risk 620 - and Below - High Risk or "sub-prime." Having a copy of your credit report advantages: - Better Interest rates - More savings - Better Terms on loans - Check for inaccuracies - Lower insurance - Fix errors - Piece of mind - Check for identity theft Hopefully this article has explained some of key points to being educated about what is in your credit report. Years ago this access was not even available to the public. Now that it is you should check your credit report often to ensure you are educated about your own creditworthiness. Don't waste any more money; get your FREE credit report today! About the Author: Mike Clover is the owner of http://www.creditscorequick.com/ . CreditScoreQuick.com is the one of the most unique on-line resources for free credit score report, fico score, Internet identity theft software, secure credit cards, and a BlOG with a wealth of personal credit information. The information within this website is written by professionals that know about credit, and what determines ones credit worthiness. EasyPublish™ this article - publishers click here More articles by Mike Clover

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