CALL NOW      1-800-554-4116

What is a Credit Score?

A credit score is a number generated by a mathematical formula that is meant to predict credit worthiness. Credit scores range from 300-850. The higher your score is, the more likely you are to get a loan. The lower your score is, the less likely you are to get a loan. If you have a low credit score and you do manage to get approved for credit then your interest rate will be much higher than someone who had a good credit score and borrowed money. Therefore, having a high credit score can save many thousands of dollars over the life of your mortgage, auto loan, or credit card.

What are you in the market for?


A home loan... new car... a credit card maybe? No matter what you are looking to apply for--  Her Purpose Finance will work hard to make your dream come true.

Home Loan
 
 
 
 
Credit Cards
 
 
 
 
Car Loan
 
 
 
 

Idea Think Sticker by top(node) for iOS & Android | GIPHY

Tip: By cleaning up your credit before applying for a home loan, you improve your chances of being approved and getting a better interest rate.

  • A credit score of 760 or higher is considered excellent credit.
  • A score between 701 and 759 is considered good credit.
  • A score of 651 to 700 is considered fair credit (695 is the national average).
  • Under 650 is considered poor credit.

Tip: By cleaning up your credit before applying for a loan, you improve your chances of being approved with good terms.

Top Of Page
 
 
 
 



Withum's Cybersecurity Services Offer FICO® Enterprise Security Score |  Withum

#1 IN integrity.

100% RECOMMENDED

Home Loan

Before applying for a mortgage, obtain both your credit score and your credit history report. You’ll want to verify there are no errors on the report or recent derogatory items like late payments. Since you may spend months shopping for homes, you might want to consider subscribing to a service that provides regular credit report monitoring for around $20 a month. You can cancel this after you close on your home. As for your credit score, your estimated FICO credit score should be at least 680 and preferably above 700. Anything less and you may need to find a highly-qualified cosigner or take time to improve your credit before getting mortgage approval. The lower your credit score, the higher the mortgage rate you’ll pay.

Idea Think Sticker by top(node) for iOS & Android | GIPHY

Car Loan

Thinking about buying a new car? Check your credit report first... applying may or may not be worth the inquiries.

Idea Think Sticker by top(node) for iOS & Android | GIPHY

Credit Cards

Having a credit card really helps to know your actual FICO score – or to get an estimate of it. While sites like CreditKarma let you view an estimate of your credit score for free, having a credit card normally comes with it's own monitoring of your actual FICO score. Knowing your score is one thing but knowing what your score means will qualify you for a credit card.

sign up today!!!

Top Of Page
 
 
 
 
Top Of Page
 
 
 
 

Credit Monitoring Is Required Thru Identity IQ at $24.99/mon. (Payment Not Accepted By Her Purpose Finance.)

$44/mon.
$139 One-time Enrollment Fee
You Don't Pay For The Negative Account Until Its Deleted Or Updated
Testimonials

"Before I started working with Her Purpose Finance,I had practically given up on my credit.My score had plummeted to a low 400 and no savings.Her Purpose Finance not only helped bring my score up,she taught me how to budget.My credit is now in the high 700s and I gave a pretty healthy savings account."


Ashley

I'm so excited to say that in just 30days my credit score went from the low 500s to 700s. She is the only that I have worked with that to get the scores I needed to confidently apply for my home loan.


Myra

"Professional services and my score went up drastically with help from Her Purpose Finance! Thanks!"


Manisha

How Well Do You Know Credit? Take Our Quiz...
You Deserve A Fair Chance In Life.

Background Pow Sticker by Sarah The Palmer for iOS& Android | GIPHY
HARD INQUIRIES – $15 PER ITEM; PER BUREAU.

Withum's Cybersecurity Services Offer FICO® Enterprise Security Score |  Withum

Withum's Cybersecurity Services Offer FICO® Enterprise Security Score |  Withum
LATE PAYMENTS – $59 PER ITEM; PER BUREAU 
REPOS AND EVICTIONS – $40 PER ITEM; PER BUREAU.
COLLECTION AND CREDITOR ACCOUNTS – $35 PER ITEM; PER BUREAU.
PUBLIC RECORDS – $60 PER ITEM; PER BUREAU.
(Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Federal Tax Lien, State Tax Lien, Judgments, Child Supports, Financing)

Background Pow Sticker by Sarah The Palmer for iOS& Android | GIPHY
COLLECTION AND CREDITOR ACCOUNTS (UPDATES) $25 PER ITEM; PER BUREAU.