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2. The biggest pros and cons of personal loans for bad credit - AOL

   www.aol.com/finance/pros-cons-bad-credit-loans...

   Key takeaways. A bad credit loan is a type of personal loan that caters to borrowers with credit scores below 670. If handled properly, bad credit loans can boost your credit score by adding to ...

3. What do lenders look for beyond your credit score?

   www.aol.com/finance/lenders-look-beyond-credit...

   This is especially useful if you have limited credit history or a bad credit score. If you sign the loan with someone in a better financial situation, the lender may give you a better interest ...

4. How to improve your credit score with a personal loan - AOL

   www.aol.com/finance/improve-credit-score...

   Money tip: Credit-builder loans are best for individuals with bad credit or no credit history who don’t need immediate access to the funds. Risks to bad credit personal loans. If you have a FICO ...

5. Credit scorecards - Wikipedia

   en.wikipedia.org/wiki/Credit_scorecards

   A credit score is primarily based on a credit report, information typically sourced from credit bureaus. Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt. Lenders use credit scores to determine who qualifies for a loan ...

6. How does my credit score affect my loan chances? - AOL

   www.aol.com/finance/does-credit-score-affect...

   Having a good credit score — either a FICO score of 670 or a VantageScore of 660 — will show lenders that you know how to handle your debts and have a history of on-time payments, among other ...

7. Criticism of credit scoring systems in the United States

   en.wikipedia.org/wiki/Criticism_of_credit...

   2004 study found the median credit score for whites in 2001 was 738, but the median credit score for African Americans was 676 and for Hispanics was 670. [36] 2004 research study found fewer than 40% of consumers who lived in high-Black Indigenous and people of color [BIPOC] neighborhoods had credit scores of over 701. [37]