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How Lenders View Credit History and Scores

Most are very strict and follow all the policies of the past that have protected them and you from the possibility of defaulting on your agreement to repay them. This is for everyone's benefit.

So, They Will Be Looking for the Following Things:

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    Your Level of Income: Your past, present and future income levels are most important and you will have to be able to substantiate them with hard documentation. They want to know that your income has, at the least been steady, and better yet, been increasing at an acceptable rate for the last several years. Further, that your employment status has not been interrupted during that period.

  • Your Assets: Your liquidity is also a big consideration. Liquidity are those assets that are easily converted to cash, in a reasonably short period of time. An inheritance, for example, would not improve your liquidity, but stocks or financial instruments that could be liquidated in a week or two would be

  • How Much Liability Do You Have? They will examine all of your current accumulated debt. Credit cards, loans of any kind and of course, another mortgage would be of concern to them and affect your chances of getting the additional funding.

  • Additional Information About Your Finances Will Also Be Scrutinized: If you are involved in any type of dispute, litigation, collection activity, payments relative to a divorce settlement or simply having cosigned along with someone else for a loan, these are all factors that will be examined closely and affect your ability to get the financing you are seeking.

So you see, it is not just one thing or another that will affect the lending process. Despite having a good income some folks may not qualify because they are too over extended or have not been timely in keeping up with their responsibilities to repay. And, even if you have few debts and a good income level, if you have not already established good credit patterns in the past you are considered a higher risk to the lender.

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