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1 Getting a joint mortgage? Here's how your credit score factors in
https://www.foxbusiness.com/money/how-credit-scores-factored-joint-mortgage
If you decide on a joint mortgage, both you and the other person's credit scores will come into play. Lenders will typically review each of your ...
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2 Does Marriage Affect Your Credit Score? | MoneyUnder30
https://www.moneyunder30.com/couples-credit
Getting married doesn't impact your credit score, but your partner's credit can influence your terms on a joint loan like a mortgage.
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3 When One Spouse's Credit Score Is Lower - Kiplinger
https://www.kiplinger.com/article/credit/t017-c001-s001-when-one-spouse-s-credit-score-is-lower.html
Lenders collect credit scores for both spouses from the three credit bureaus, then focus on the median score for each spouse. The lower of those ...
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4 How Do Co-Borrowers' Credit Scores Affect a Home Purchase?
https://www.zillow.com/blog/joint-mortgage-credit-scores-224438/
The number assesses your credit worthiness through previous payment history, current debt, length of credit history, types of credit and new ...
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5 How Marriage and Credit are Related | myFICO
https://www.myfico.com/credit-education/faq/credit/marriage-and-credit
Married couples don't have a joint FICO Score, they each have individual scores. The difference is that when you are single you usually only need to worry about ...
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6 How Income and Credit Impact Your Ability to Buy
https://www.csmcmortgage.com/articles/buying-together-how-income-and-credit-impact-your-ability-to-buy.php
Lenders use both partners' credit scores, but a common myth is that they take the scores and average them, which isn't the case. Instead, they do this: Each ...
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7 Joint Credit Definition - Investopedia
https://www.investopedia.com/terms/j/joint_credit.asp
Joint credit is a credit facility issued to two or more people based on their combined incomes, assets, and credit histories. · People with joint debt are ...
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8 Does Getting Married Combine Your Credit Reports? - Experian
https://www.experian.com/blogs/ask-experian/does-getting-married-combine-your-credit-reports/
Married couples always maintain separate credit reports after they've tied the knot, even if one spouse takes the other's name. That means that ...
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9 Whose Credit Score Is Used On A Joint Mortgage?
https://gocleancredit.com/whose-credit-score-is-used-on-a-joint-mortgage/
Whose Credit Score Is Used On A Joint Mortgage? ... All credit scores are used on a joint mortgage—and you can have more than two people. Financial and credit ...
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10 Your One-Stop Shop For How Credit Scores Work - Forbes
https://www.forbes.com/advisor/credit-score/how-credit-scores-work/
A borrower's credit mix is the combination of credit cards, loans and other accounts. Scoring models reward borrowers for having a variety of ...
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11 B3-5.1-02, Determining the Credit Score for a Mortgage Loan ...
https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Underwriting-Borrowers/Chapter-B3-5-Credit-Assessment/Section-B3-5-1-Credit-Scores/1032990981/B3-5-1-02-Determining-the-Representative-Credit-Score-for-a-Mortgage-Loan-08-30-2016.htm
Representative Credit Score ; 1. Fannie Mae recommends obtaining at least two credit scores for each borrower. ; 2. Select a single score for each ...
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12 How Your Credit Score is Calculated - Wells Fargo
https://www.wellsfargo.com/financial-education/credit-management/calculate-credit-score/
Your payment history accounts for 35% of your score. This shows whether you make payments on time, how often you miss payments, how many days past the due date ...
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13 Credit Score Averaging - ERATE.com
https://www.erate.com/credit-score-average
However, some lenders will take the average of the scores instead of the middle or the lowest of the middle scores. To take the average, you take add all the ...
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14 Myths vs. Facts: Marriage and Credit | Equifax®
https://www.equifax.com/personal/education/life-stages/myths-vs.-facts-marriage-and-credit/
You don't have just one credit score · Credit scores may vary because of several reasons · Payment history, the number and type of credit accounts, your used vs.
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15 What Credit Score Do You Need To Buy A House?
https://www.rocketmortgage.com/learn/what-credit-score-is-needed-to-buy-a-house
If you're applying for a loan on your own, lenders get your credit score from each of the three major credit rating agencies and use the middle ...
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16 What Credit Score Do You Need to Buy a House? - NerdWallet
https://www.nerdwallet.com/article/mortgages/whats-exact-credit-score-need-buy-home
In order to get a mortgage that's larger than the conforming loan limit — better known as a jumbo loan — most lenders will want to see a credit ...
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17 How Merging Assets Affects Your Credit - Quicken
https://www.quicken.com/how-merging-assets-affects-your-credit
Credit bureaus maintain separate scores for each spouse -- there is no such thing as a joint score. If you and your spouse decide to apply jointly for a credit- ...
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18 What Happens to Your Credit When You Get Married?
https://www.capitalone.com/learn-grow/money-management/what-happens-to-credit-when-you-get-married/
You'll also both be responsible for the activity on your joint credit accounts. If you use your credit cards responsibly, for example, you could ...
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19 Which Credit Score Do Mortgage Lenders Use? - CNBC
https://www.cnbc.com/select/which-credit-score-used-when-applying-for-mortgage/
The scoring model used in mortgage applications · FICO® Score 2 (Experian) · FICO® Score 5 (Equifax) · FICO® Score 4 (TransUnion).
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20 Can Your Spouse's Credit Score Kill Your Mortgage?
https://www.credit.com/blog/spouses-credit-score-kill-your-mortgage/
Mortgage lenders look for stable, reliable income that's likely to continue. In order to count your joint income toward qualifying, each spouse ...
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21 New Credit Score Rule Will Help Dual-Income Households ...
https://www.fairwayindependentmc.com/articles/new-credit-score-rule-will-help-dual-income-households-buy-a-home
Here's how it would work. Lenders use the borrowers' "middle score" based on the three scores they receive from credit bureaus. In the below scenario, ...
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22 What Is Joint Borrowing? | Bankrate
https://www.bankrate.com/loans/personal-loans/what-is-joint-borrowing/
How does a joint loan affect my credit score? When you co-borrow with another person, the account may show up on your three credit reports ...
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23 Applying for a Mortgage When Spouse Has Bad Credit - Bills
https://www.bills.com/learn/mortgages/applying-for-a-mortgage-with-bad-credit-and-a-spouse
Generally speaking, if you and your spouse apply for a loan jointly, the lender will look at your combined income, combined debt-to-income (dti),and both of ...
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24 Joint Mortgages: Should You Get One? - LendingTree
https://www.lendingtree.com/home/mortgage/joint-mortgage/
The lowest credit score of the borrowers will be used to determine the credit decision. If your co-borrower has a lower credit score than you, ...
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25 Joint mortgage with one bad credit applicant
https://www.expertmortgageadvisor.co.uk/bad-credit-mortgages/joint-mortgage-with-bad-credit/
For instance, an applicant may have a great credit score but has recently used payday loans and as a result, could fail the application. In ...
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26 Joint Mortgages: Everything You Need to Know
https://www.fool.com/the-ascent/mortgages/joint-mortgage/
When you apply for a joint mortgage, the lender will make a hard inquiry on your credit report. Too many hard inquiries can have a small ...
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27 joint or single application - Mortgage Professor
https://www.mtgprofessor.com/A%20-%20Qualifying/joint_application_or_single.html
That is not an issue for you, but it could weaken other applications. The other downside of the joint application is that the lower of the two credit scores is ...
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28 How Credit Scores Work and What They Say About You
https://www.thebalancemoney.com/how-credit-scores-work-315541
Payment history and current debt combine to account for nearly two-thirds of your score, so it's especially important to do well in those areas.
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29 The Ideal Credit Score To Buy A House In 2023 - Quicken Loans
https://www.quickenloans.com/learn/credit-score-to-buy-a-house
But do you know the minimum credit score you need to qualify for a mortgage and buy ... and that stream of income, if you've built up a longer work history.
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30 Getting a Mortgage Loan When Your Partner Has Bad Credit
https://www.mortgageloan.com/getting-mortgage-loan-when-your-partner-has-bad-credit-8894
Bad credit can be a real problem when there are joint mortgage applicants. Typically, the lender looks at the lowest of the two credit scores when deciding what ...
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31 Getting a Joint Mortgage When One Applicant Has Bad Credit
https://haysto.com/mortgage-guide/getting-a-joint-mortgage-when-an-applicant-has-bad-credit
What credit score do I need to get a joint mortgage? There isn't a specific score needed to get a mortgage, because there isn't a universally recognised credit ...
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32 How Fannie Mae's New Credit Score Rule Affects You
https://alcova.com/how-fannie-maes-new-credit-score-affects-you/
Looking at this a little more broadly, lenders typically get 3 credit scores for each borrower. Under this new rule, they would use the average of the middle ...
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33 Credit scores and joint accounts: what you need to know - Wollit
https://www.wollit.com/money-hub-resource/credit-scores-and-joint-accounts-what-you-need-to-know
Shared Scores – Joint account holders are equally responsible for the standing of an account. Therefore, if one person fails to make payments, increases debt, ...
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34 Whose Credit Score Is Used on a Joint Auto Loan? - CreditNinja
https://www.creditninja.com/whose-credit-score-is-used-on-a-joint-auto-loan/
When two people agree to a joint car loan, they agree to split the monthly payment. And so, because both people are responsible for a portion of ...
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35 Should You Get a Joint Mortgage? - SmartAsset.com
https://smartasset.com/mortgage/should-you-get-a-joint-mortgage
So how does that work with a joint mortgage? The answer will vary depending on your lender. Some lenders will only look at the lower score of ...
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36 Joint Loans and Co-Borrowers - FHA
https://www.fha.com/define/joint-loan
When you enter a mortgage agreement with a co-borrower who is equally responsible to repay the loan, it is called a joint loan. Having another credit score and ...
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37 Section 502 Direct Loan Program's Credit Requirements
https://www.rd.usda.gov/files/RD-SFH-CreditRequirements.pdf
Ability has to do with the applicant's available, reliable income and considers whether ... credit scores are evaluated, how an applicant can qualify for a ...
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38 QoD: Which FICO score does the lender use for couples? - Blog
https://www.ngpf.org/blog/question-of-the-day/question-of-the-day-when-a-couple-take-out-a-loan-which-credit-score-does-the-lender-use-1-higher-one-2-lower-one-3-average-of-the-two/
When applying jointly, lenders use the lowest credit score of the two borrowers. So, if your median score is a 780 but your partner's is a 620, ...
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39 How your Apple Card application is evaluated
https://support.apple.com/en-us/HT209218
Goldman Sachs1 uses your credit score, your credit report ... in combination, to make credit decisions but doesn't include all of the ...
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40 How Does a Joint Credit Card Account Affect My Credit?
https://myhome.freddiemac.com/blog/notable/how-does-joint-credit-card-account-affect-my-credit
An account owner with a lower credit score can get access to more favorable terms. If one of the cardholders has a spotty borrowing history or ...
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41 Credit Scores: What Are They? How Do They Work?
https://www.valuepenguin.com/credit-scores
What is a credit score? · How does a credit score work? · Factors contributing to your credit score: These include credit utilization, payment ...
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42 How Your Co-Applicant's Finances Affect Your Chances Of ...
https://www.rockethq.com/learn/home-buying/does-your-co-applicants-finances-affect-your-chances-of-getting-a-home
Credit history – Also referred to as credit age, your score can be determined by the age of your oldest account and the average of your combined loan ...
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43 Does marriage affect your credit score? - CreditRepair.com
https://www.creditrepair.com/blog/education/marriage-and-credit-score/
Getting married does not have any immediate effect on your credit. There's a simple reason for this: there are no joint credit reports or joint ...
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44 Credit Score Requirements to Buy a House | 2022 Guide
https://themortgagereports.com/18621/mortgage-credit-score-minimum-gina-pogol
What credit score is needed to buy a house? You should qualify with a score of 580-620. Learn how your credit impacts your mortgage.
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45 What is a Good Credit Score? | Credit Score Ranges Explained
https://credit.org/blog/what-is-a-good-credit-score-infographic/
Credit card companies and lenders use credit scores as one of the factors to determine loan amounts and interest rates. Your credit score is based on your ...
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46 How Fannie Mae's New Credit Score Rule Can Help You
https://zoomloans.com/how-fannie-maes-new-credit-score-rule-can-help-you/
What does this mean for you? Using the same example of the two co-borrowers with credit scores of 690 and 580, if we were to evaluate their average credit score ...
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47 How Credit Scores Work - Nolo
https://www.nolo.com/legal-encyclopedia/how-credit-scores-work.html
Another type of credit score is VantageScore. The credit reporting agencies created this score to compete with FICO. VantageScore used to have a different range ...
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48 Credit Reports and Scores | USAGov
https://www.usa.gov/credit-reports
A credit score is a number that rates your credit risk. It can help creditors determine whether to give you credit, decide the terms they offer, ...
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49 FICO Credit Score
https://www.fico.com/en/products/fico-score
A FICO® Score is generated using multiple scorecards, with each scorecard tuned to assess risk for a specific consumer segment — for instance, consumers with ...
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50 How Your Credit Score Impacts Your Financial Future - finra
https://www.finra.org/investors/personal-finance/how-your-credit-score-impacts-your-financial-future
Each individual has his or her own credit score. If you're married, both you and your spouse will have an individual score, and if you are co-signers on a loan, ...
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51 Does getting married affect your credit score? - Barclaycard
https://www.barclaycard.co.uk/personal/money-matters/family-finances/does-marriage-affect-your-credit-score
That means any late or missed payments will be reflected on both your credit scores. It really pays for newly married couples to be open and honest about your ...
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52 Joint Credit Cards: Can They Be a Good Way to Build Credit?
https://youngandtheinvested.com/joint-credit-cards/
How Does a Joint Account Work for Credit Cards? · adding an authorized user to an existing credit card (or being added as an authorized user on ...
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53 What to consider when getting a joint credit card - CNET
https://www.cnet.com/personal-finance/credit-cards/should-my-partner-and-i-get-a-joint-credit-card/
How do joint credit cards affect your credit score? ... There are no joint credit scores, even if you have joint accounts together. Activity will ...
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54 Credit Reports and Credit Scores - Federal Reserve Board
https://www.federalreserve.gov/creditreports/pdf/credit_reports_scores_2.pdf
credit report, credit score, and the companies that compile that information ... Q: What can I do if I am denied credit, insurance, or employment because of ...
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55 Credit Myth: Married Couples Share the Same Credit Score
https://refreshfinancial.ca/blog/credit-tips-and-tricks/credit-myths-debunked-part-3-married-couples-share-the-same-credit-score/
Credit scores work on an individual level. Whether you're married, common law or divorced, your significant other's credit score has no affect on your own.
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56 The Score that Lenders Use - FICO® Score
https://www.ficoscore.com/where-to-get-fico-scores
FICO ® Score Open Access is a program that helps educate consumers on FICO ® Scores and increases consumer access to FICO ® Scores. FICO works with over 200 ...
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57 What is the credit score needed to buy a house? - U.S. Bank
https://www.usbank.com/home-loans/mortgage/first-time-home-buyers/credit-score-for-mortgage.html
Your score is influenced by many factors, but the two biggest are whether you pay your bills on time and how much debt you owe. Having a credit score based on ...
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58 How is Credit Score Calculated and What Makes Up a Credit ...
https://bettermoneyhabits.bankofamerica.com/en/credit/how-credit-score-is-calculated
What do the numbers mean? ... Credit scores typically range from 300 to 850 and they can change monthly—for better or worse—based on your actions. Scores for most ...
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59 What Credit Score Do You Need to Buy a House in 2022?
https://homebuyer.com/learn/what-credit-score-do-you-need-to-buy-a-house
Low credit scores create risk for mortgage lenders, and large down payments take the risk away. Therefore, buyers with the ability to increase ...
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60 How Do I Apply for a Joint Loan? - LendingClub
https://help.lendingclub.com/hc/en-us/articles/214463687-How-Do-I-Apply-for-a-Joint-Loan-
*Checking your loan rate generates a soft credit inquiry on your credit report, which is visible only to you. A hard credit inquiry, which is visible to you and ...
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61 How Do Credit Scores Work? - LifeLock - Norton
https://lifelock.norton.com/learn/credit-finance/how-do-credit-scores-work
The makeup of your credit accounts for 10 percent of your credit score, FICO® says. Credit score formulas favor consumers who have a combination of credit cards ...
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62 What is the minimum credit score needed to get a mortgage?
https://www.themortgagehut.co.uk/expert-articles/bad-credit-mortgages/28/what-is-the-minimum-credit-score-needed-to-get-a-mortgage
Usually a higher score suggests that you're more likely to be a responsible borrower and make your payments on time and in full. However, every lender has ...
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63 Your guide to credit score ranges - Credit Karma
https://www.creditkarma.com/advice/i/credit-score-ranges
As you can see, different credit-scoring models may have different ranges and scoring criteria. That means the same credit score could represent ...
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64 What Is a Credit Score? | Money
https://money.com/what-is-a-credit-score/
How Do Credit Scores Work? ... Credit scoring models analyze credit reports from the three major credit monitoring agencies and assign a score to ...
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65 What Credit Score Do You Need to Buy a House?
https://money.usnews.com/loans/mortgages/articles/what-credit-score-do-you-need-to-buy-a-house
What Other Factors Do Mortgage Lenders Consider? · Employment history and income. · Down payment. · Tax returns for the last two years. · Savings ...
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66 What Is a Good Credit Score? | TD Canada Trust
https://www.td.com/ca/en/personal-banking/how-to/what-is-a-good-credit-score/
For example, imagine you have a couple of credit cards and a line of credit with a total debt of $14,000 and a combined limit of $20,000. Your debt-to-credit ...
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67 Do Credit Scores Get Combined for Married Couples When ...
https://budgeting.thenest.com/credit-scores-combined-married-couples-buying-home-4119.html
Your credit score is one of the most important factors when it comes to applying for loans, including a mortgage to buy your home. When you're ...
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68 Joint Auto Loans vs. Co-signed Auto Loans: Which to Choose ...
https://www.way.com/blog/joint-auto-loan-vs-co-signed-auto-loans/
When applying together for a joint auto loan, the lender will consider the credit scores of both the co-borrowers. You can split the monthly payments among the ...
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69 What Is a Joint Mortgage? Everything You Need to Know
https://moneytips.com/what-is-a-joint-mortgage/
Some homebuyers might wonder whose credit score is used on a joint mortgage. The answer is that both credit scores are used, and most lenders ...
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70 4 Ways Marriage and Credit Scores Can Affect Your Finances
https://www.meettally.com/blog/do-married-couples-share-credit-scores
Credit scores are individual and tied to a person's Social Security Number (SSN), so married couples do not share a credit score. In fact, credit reports ...
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71 Section A. Borrower Eligibility Requirements Overview - HUD
https://www.hud.gov/sites/documents/4155-1_4_SECA.PDF
For a definition of minimum decision credit score, see HUD 4155.1 4.A.1.j. ... do not hold ownership interest in a property.
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72 Smart Money Moves if You Have a 400 Credit Score - Upsolve
https://upsolve.org/learn/400-credit-score/
Credit builder loans are secured loans that use the borrower's own money as collateral. If the borrower wants a loan for $1,000, they'll make a ...
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73 How getting married affects your credit score | CreditCards.com
https://www.creditcards.com/credit-management/credit-score-after-marriage/
Here's how that process works. The party extending credit will check credit scores for both parties. If more than one credit report is pulled ...
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74 FAQ: What Happens to Your Credit When You Get Married
https://www.americanexpress.com/en-us/credit-cards/credit-intel/marriage-credit-score/
Neither does changing your name. Joint accounts will affect credit scores separately and equally, so discussing financial habits with your ...
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75 How do credit scores work? - Step
https://step.com/money-101/post/how-do-credit-scores-work-a-guide-for-teens
Credit mix (10%): This is the combination of debt types you have such as credit cards, student loans and car payments. It's good to have a ...
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76 How does Credit Score Affect a Mortgage | Citi.com
https://www.citi.com/mortgage/credit-scores
Consider only applying for new credit and loans you intend to use. Remember, activity on joint or co-signed accounts will also affect credit scores. For example ...
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77 Mortgages- When a Co-Borrower Has Poor Credit
https://www.nytimes.com/2011/11/27/realestate/mortgages-when-a-co-borrower-has-poor-credit.html
Ms. Becker says that one way to raise a FICO score by 30 to 40 points in a few months is to be added as an authorized user to a well ...
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78 What Happens to Your Credit When You ... - Consolidated Credit
https://www.consolidatedcredit.org/ask-the-experts/what-happens-to-your-credit-when-you-get-married/
Do your credit scores combine when you get married? ... No. Even after you get married, both spouses maintain individual credit scores. You both come into the ...
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79 VA Loans and Credit Score Minimums for 2022
https://www.veteransunited.com/realestate/va-loans-and-credit-score-minimums-what-all-buyers-need-to-know/
Improving your credit requires commitment and hard work. If you're ready to make the necessary changes to pursue a VA home loan, partner with a helpful advocate ...
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80 Can You Combine Credit Scores to Buy a House? How to Calculate
https://familydebtplanning.com/combine-credit-scores-to-buy-a-house/
You cannot combine credit scores to a buy a house. The banks do not ... If you do have poor credit, the best thing to do is work on improving your credit.
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81 Low Credit Score FHA Home Buyers Might Qualify in 2022
https://mymortgageinsider.com/new-fha-policy-for-low-credit-home-buyers-7494/
What credit score do you need to buy a house? It's possible to get an FHA loan ... If the new standards work, lenders loosen a bit more.
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82 What Do Recent Changes to FICO Scores Mean for Me?
https://www.schwab.com/learn/story/what-do-recent-changes-to-fico-scores-mean-me
While the exact formulas used to calculate credit scores are proprietary, the new FICO score is reported to give more weight to rising levels of debt, higher ...
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83 Joint Personal Loans for Married Couples | LendEDU
https://lendedu.com/blog/joint-personal-loans-for-married-couples/
Should you apply for a joint personal loan? ... Like with other loans, the higher your credit score, the lower the interest rate you will ...
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84 Taking out a joint loan: what you need to know - MoneyHelper
https://www.moneyhelper.org.uk/en/everyday-money/credit-and-purchases/taking-out-a-joint-debt-or-loan-what-you-need-to-know
Can a joint application improve your chances of getting credit? ... If you apply for a loan together, the lender will look at both your credit records when ...
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85 How to Improve Your Credit Score: Tips & Tricks - Debt.org
https://www.debt.org/credit/improving-your-score/
Credit scores range from 300 (poor) to 850 (excellent). Higher scores illustrate consistently good credit histories, including on-time payments, low credit use ...
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86 Guide to Buying a House When One Spouse Has Bad Credit
https://www.associateshomeloan.com/buying-a-house-when-one-spouse-has-bad-credit/
If you or your spouse has a score lower than 670, this bad credit can greatly affect your application. This means that either your application ...
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87 Does Applying with Multiple Mortgage Lenders Affect Credit ...
https://woodgroupmortgage.com/articles/multiple-mortgages-affect-credit
The mortgage credit pull window is a grace period where multiple mortgage applications are believed to only count against your credit score as a ...
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88 Can We Get A Mortgage If My Partner Has Bad Credit?
https://www.homeloanexperts.com.au/bad-credit-home-loans/mortgage-partner-bad-credit/
What can we do if we get declined? Work on improving your partner's credit score. Wait for the adverse listing(s) to fall off your credit file.
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89 Joint Mortgage Vs. Joint Ownership: What's the Difference?
https://maresmortgage.com/joint-mortgage-vs-joint-ownership/
For many people, their personal credit score might be strong enough to secure a loan, and they will take advantage of a combined credit for a ...
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90 Joint vs. Cosigned Auto Loans: What's the Difference?
https://www.rategenius.com/understanding-cosigned-vs-joint-loans/
Do you want to share payments with someone else, or do you want to help someone qualify ... Whose credit score is used on a joint auto loan?
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91 Why your credit score matters when it comes to mortgages?
https://sprive.com/blog/why-your-credit-score-matters-when-it-comes-to-mortgages/
A credit score allows the lender to work out what sort of borrower you are and the likelihood of you keeping up with mortgage repayments. At the ...
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92 How to get a joint mortgage pre-approval
https://better.com/content/how-to-get-a-joint-mortgage-pre-approval/
When lenders evaluate the creditworthiness of co-borrowers, they typically offer interest rates based on the lowest credit score. The person ...
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93 Getting Approved for a Mortgage With Two Different Credit ...
https://www.mybanktracker.com/credit-cards/credit-score/joint-mortgage-credit-scores-286334
Your loan approval chances, and the ensuing mortgage rate, will be based on the lower of your two credit scores, not the average. So, what's ...
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94 Information Used When Two People Apply for Mortgage
https://www.freeandclear.com/community/what-information-do-lenders-use-two-people-apply-for-mortgage
For applicants with three credit scores, the lender uses the middle score for both applicants to calculate the average score. For applicants ...
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95 Your Credit Score: How It All Adds Up - PrivacyRights.org
https://privacyrights.org/consumer-guides/your-credit-score-how-it-all-adds
Credit scoring systems award points for each factor that helps predict who is most likely to repay a debt. The total number of points becomes ...
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