Credit Card payoff Calculator
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Your credit score is a three-digit number generated by a mathematical algorithm using information in your credit report. It's designed to predict risk, specifically, the likelihood that you will become seriously delinquent on your credit obligations in the 24 months after scoring.

There are a multitude of credit-scoring models in existence, but there's one that dominates the market: the FICO credit score. FICO is the brand name of a credit score calculation created by (Fair Issac & Co) way back in 1956. The formula takes into consideration 5 different factors. Below are the factors considered:
  • Payment History
  • Amount Owed
  • Length of Credit History
  • New Credit
  • And Types of Credit Used
Your credit score can mean the difference between being denied or approved for credit, and a low or high interest rate. A good score can help you qualify for a credit card, an apartment rental and even help you get utilities connected without a deposit.

Below are the credit scores and their corresponding credit type.
  • 720 - 850 = (Excellent Credit)
  • 660 - 719 = (Good Credit)
  • 600 - 659 = (Fair Credit)
  • 350 - 599 = (Bad Credit)
It's very important that you know your credit score. If you would like to get your FREE credit score, visit the following link: Free Credit Score


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Secured Credit Cards

Secured credit cards are great for establishing or rebuilding your credit history. Unlike prepaid cards, secured credit cards give you a credit line, and your payment activity will be reported to the major consumer reporting agencies. Getting a secured card is easy! Funds you deposit at the bank are used as collateral for the credit card. You use the card like any credit card. You can rebuild your credit history by making on time monthly payments to all of your creditors and by keeping your balances low relative to the credit limit.

* See the online secured credit cards applications for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now" button you can review the credit card terms and conditions on the credit card issuer's web site.