| The rate that you receive may be higher if your credit history isn't spotless, or your credit score is lower than the lender's ideal score. |
| To get the best terms, you will need a higher credit score in many parts of the country. |
| Each model assigns consumers a numeric credit score that reflects their predicted performance. |
| College students often don't have a job, often don't have any items on their credit report to give them a credit score. |
| Defaulting on credit card bills can result in damage to your credit score and even bankruptcy. |
| However, the addition of a new line of credit could also hurt your credit score. |
