What is a credit scoring model?

The scoring model helps you to figure out how many points will come of your credit score when certain events happen such as dept settlement, foreclosure, late payments, maxed out credit cards, and bankruptcy. While this helps you get a general idea of what to expect from your credit score it is not set in stone. The scoring model includes information that may be used in the consideration of your credit score and may include your time in at your job, whether or not you own your own home and if the payments were made on time, it may include a balance of your credit lines and any inquiries that were made from people you went to for credit or people who inspected your credit for credit worthiness.

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