What is the definition of Good Credit?


Most lenders will agree there is no single definition for "good credit" and FICO score, alone, is not an indicator or "good credit".  However, most lenders will base a "first look" at FICO score.  Individuals and businesses deemed credit-worthy with "good credit" will usually share the following characteristics:

  • Several years of credit history
  • A credit history with a variety of account types such as major credit cards, installment debt (vehicle loans, and mortgage debt.
  • A good payment history with few, if any delinquencies or other problems repaying debt obligations.
  • An ability to save evidenced by some or all of the following:  Liquid Assets (stocks, bonds, bank deposits, etc); Cash Down Payments on real estate, retirement savings, and manageable credit card debt.
  • Stable and sufficient income and assets to repay current debt obligations and any new loan with a new lender.


Each individual situation is different and lenders make credit judgments based on specific facts of your individual situation.  Ultimately, a lender determines their decisions based on whether or not they conclude there is a likelihood that a loan will be repaid in a full and timely manner.

Customer Credit Finance is not the lender.  We have partnered with several national lenders and provide a referral to direct lending institutions which we believe to be the best resources for on-line consumer loans.  Loan amounts, APRs, fees, the lender's terms and conditioned should reviewed before entering into a lending agreement.

While we have tried to secure relationships with national lenders, the States serviced by our partners on this sited may from time to time change without notice.


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A note from our President:


Thank you for visiting our site.  We hope you find the resources offered through Customer Credit Finance as helpful.  The lenders we choose to partner with are transparent through their processes and provide excellent customer service and are highly rated in this industry.  We wish we could guarantee everyone would be approved and never incur a problem, but that is unrealistic.  We do, however, promise to continue to make available to you the best possible choices for funding we can find.  Be sure to review the contracts with all lenders before signing. 

Be blessed,

Mark Tapp

President

Customer Credit Finance

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  • Home Improvement
  • Household Expenses
  • Solar / Green
  • Taxes / Debt
  • Vacation
  • ‚ÄčEngagement Ring
  • Wedding

  • Adoption
  • Auto / Motorcycle
  • Boat / RV
  • Home Improvement
  • Medical / Dental
  • Pool / Spa
  • Solar / Green
  • Vacation
  • Wedding

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640 - 749
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  • Adoption
  • Auto / Motorcycle
  • Boat / RV
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  • Pool / Spa
  • Solar / Green
  • Vacation
  • Wedding