Subject: {!name} - Understanding Your Credit Score

Hi {!name},

Quote: The only man who sticks closer to you in
adversity than a friend is a creditor.
- Anonymous

To have the best chance of improving
your credit score you will need to have
a good understanding of how it is
calculated as that will help you to
decide on the actions you need to take.

Credit score is a numerical calculation
based on a number of factors that helps
lenders decide whether you are a risk
to lend money to.

More Information:
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The numbers generally range from 300 to
850 and allow lenders to see how well
you are at paying off your debts.

The higher this number is the more
likely you are to get credit and you
will also usually get it at lower
interest rates because of the fact that
you will be regarded as a lower risk
for repayment.

If your score falls below 600 you will
probably have trouble getting credit
and if you do you will be expected to
pay higher rates due to the risk
involved.

Scores over 720 are regarded as
excellent and you can expect to get
good rates.

This is just a guideline as some
lenders place more importance on credit
scores than others and while you might
have difficulty getting credit with one
lending institution that is not to say
you will have difficulty with all of
them.

Often you can discuss your situation
with the lender even when you have a
low score and still get them to finance
you at reasonable rates. Sometimes they
will look at your whole credit history
and take that into account rather than
just the current poor score.

Your credit score comes from the
calculations that are determined by the
credit bureaus and are based on
mathematical data that is arrived at
from your credit report information
that is supplied to the bureaus from
people who have lent you money and from
people you owe payment of bills to.

More Information:
YOUR PRODUCT OR AFFILIATE LINK GOES HERE

Thanks,
YOURNAME
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