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Credit Repair Service
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Xcel Funding hands on credit restoration service is designed to fix damage credit and improve personal credit scores. Sign up today for a free consultation and start repairing your credit.
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5 Factors that Determine a FICO Score
The first thing any lender wants to know is whether you've paid past credit accounts on time. This is one of the most important factors in a FICO® Score.
Having credit accounts and owing money on them does not necessarily mean you are a high-risk borrower with a low FICO® Score.
In general, a longer credit history will increase your FICO® Scores.
FICO Scores will consider your mix of credit cards, retail accounts, installment loans, finance company accounts and mortgage loans.
Research shows that opening several credit accounts in a short period of time represents a greater risk - especially for people who don't have a long credit history.