You are now leaving the Bright website and entering a third-party website. Bright has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. Bright does not guarantee or endorse the products, information, or recommendations provided on any third-party website.

You are now leaving the Bright website and entering a third-party website. Bright has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. Bright does not guarantee or endorse the products, information, or recommendations provided on any third-party website.

You are now leaving the Bright website and entering a third-party website. Bright has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. Bright does not guarantee or endorse the products, information, or recommendations provided on any third-party website.

You are now leaving the Bright website and entering a third-party website. Bright has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. Bright does not guarantee or endorse the products, information, or recommendations provided on any third-party website.

August 9, 2023

Credit Crisis Alert: Is Your Score in Danger Zone?

Do you have a Bad Credit Score? Know everything in detail

A bad credit score is a red flag that warrants immediate attention and action. Understanding the factors that contribute to a low credit score empowers you to take proactive steps to improve your creditworthiness. By practicing responsible credit habits, such as making on-time payments, keeping credit card balances low, and addressing negative items, you can steadily boost your credit score.

What is a Bad Credit?

After understanding what exactly credit and a credit score is, bad credit will be an easier concept to grasp.

A bad credit score refers to a low credit score that falls below a certain threshold, indicating a higher credit risk to potential creditors. Credit scores are numerical representations of an individual's credit history and typically range from 300 to 850. A bad credit score is generally considered to be below 580 to 600, though specific definitions may vary slightly among different credit scoring models.

The Impact of Bad Credit

Bad credit is more than just a number – it's a financial obstacle that can significantly impact your life. A low credit score can tarnish your financial reputation, making it harder to achieve your financial goals. It's akin to a stain on your financial report card, signaling to lenders that you might be a risky borrower. This can lead to many challenges, from higher interest rates to outright loan denials. It's a downward spiral where bad credit makes it harder to access financial opportunities and improve your credit.

How Can Bad Credit affect Various Aspects of Life?

There are endless downsides to bad credit. However, some of them create too many hurdles in day-to-day life. They are:

1. Loans and Interest Rates: Bad credit can make it difficult to secure loans. Even if you do qualify, you might face unfavorable terms, such as higher interest rates. Lenders see you as a risk and charge more to offset this risk, making borrowing an expensive endeavor.

For individuals with credit scores ranging from 720 to 850, the average interest rate on a $45,000 car loan over five years is approximately 5.8%. This equates to monthly payments of around $865, with a total interest cost of $6,890 throughout the loan term. On the other hand, someone with a credit score between 660 and 689 would face a higher average interest rate of nearly 9.4%. With the same loan amount and duration, their monthly payments would be approximately $942, and the total interest paid over the loan's life would amount to $11,514.

2. Housing Opportunities: A bad credit score can be a significant roadblock when renting or buying a home. Landlords and mortgage lenders often check credit scores. A low score can make renting an apartment or securing a mortgage harder, limiting your housing options. 750 is the minimum credit score that will allow you to be easily eligible for loans.

In order to qualify for a conventional loan when purchasing a home, a minimum FICO score of 620 is generally required. However, there are some provisions for borrowers with scores as low as 500. If your score falls in this range, you would need to make a down payment of at least 10% and be prepared to pay mortgage insurance. It's important to note that opting for this lower credit score option will result in increased borrowing costs overall.

3. Employment Prospect: Some employers check credit scores as part of the hiring process, especially for positions that involve handling money. Bad credit could potentially impact your job prospects, adding another difficulty to the job search process. It's another way that bad credit can limit your opportunities and affect your life.

Based on a survey, it was found that 72% of employers perform background checks on all new hires. Among those employers, 29% include a credit check as part of their evaluation process. Neglecting to maintain a good credit score can have financial consequences beyond expensive loans—it can also restrict your earning potential.

Remember that a bad credit score is not permanent, and with dedication and financial discipline, you can chart a course toward credit recovery. Establishing a strong credit profile can open doors to better financial opportunities, improved borrowing terms, and a brighter financial future.

So, embrace the challenge, take control of your credit, and embark on a journey of credit success and financial empowerment. If you don’t know how to get out of your bad credit, let Bright Money help you!

Improving your credit score is a crucial step in enhancing your financial health and obtaining better loan terms. Fixing bad credit can be a long and tedious journey without the right steps. Find out how to set out on the journey of fixing bad credit.

There are certain mistakes you need to avoid to achieve a good credit score. Here’s what you shouldn’t do.

Reference

  1. https://www.careerbuilder.com/regional_sites
LoudMouthandCo
Content Writer

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Build Credit History with $50

Credit
Get a $50 Secured Credit Line¹
Report Payments to Credit Bureaus
Build Credit History. Get $50 back².
Unlock Plan Now
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Get a $50 Secured Credit Line¹
Report Payments to Credit Bureaus
Build Credit History. Get $50 back².
[1] Secured revolving lines of credit (“Bright Builder”) are made by Bright Capital Inc., NMLS (2410428) only, subject to state residency. Bright currently does not offer Unsecured Lines of Credit (“Bright Credit”) to new customers. Personal loans are made through Even Financial Corp and its network of financial partners who will determine if you are eligible for a loan independent of Bright. Deposit accounts are provided by Evolve Bank & Trust, Member FDIC. Bright is a financial technology company, not a bank. [2] The $50 deposit is used to pay any outstanding balance on the Bright Builder account first, and the amount left over after settling outstanding balance will be returned to your preferred checking account.
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