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

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

   Lenders tend to use the following factors when deciding whether to approve your application. ... credit history or a bad credit score. If you sign the loan with someone in a better financial ...

3. Bank statement loan: What is it and who should get one? - AOL

   www.aol.com/finance/bank-statement-loan-one...

   You can get approved for a conventional loan with a down payment as low as 3 percent, and a minimum credit score of 620. However, bank statement loans are far less prevalent and cater to self ...

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

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

   Your credit score is one of the most important factors lenders consider when you apply for a personal loan. Many use it as an estimation of how likely you are to repay the balance, as it ...

5. Mortgage underwriting in the United States - Wikipedia

   en.wikipedia.org/wiki/Mortgage_underwriting_in...

   The credit score is an indicator of how well a borrower manages debt. Using a mathematical model, the data regarding each item on the credit report is used to produce a number between 350 and 850, known as the credit score. Higher scores represent those with less risk. When lenders refer to a representative credit score, they are referring to ...

6. Risk-based pricing - Wikipedia

   en.wikipedia.org/wiki/Risk-based_pricing

   Credit score and history, property use, property type, loan amount, loan purpose, income, and asset amounts, as well as documentation levels, property location, and others (employment details, designation, etc.), are common risk based factors currently used. Lenders 'price' loans according to these individual factors and their multiple derivatives.

7. Credit score in the United States - Wikipedia

   en.wikipedia.org/wiki/Credit_score_in_the_United...

   Lenders contend that widespread use of credit scores has made credit more widely available and less expensive for many consumers. [2] [3] Under the Dodd-Frank Act passed in 2010, a consumer is entitled to receive a free report of the specific credit score used if they are denied a loan, credit card or insurance due to their credit score. [4]