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Saturday, July 26, 2014
Tuesday, July 8, 2014
Top 10 Factors That Affect Your Credit Score
Top 10 Factors That Affect Your Credit Score
If you’re ever on a game show and they ask you what your most important financial number is, make sure to answer, “my credit score.”
This 3-digit number is responsible for much of what happens in you financial life. It is your credit score that determines how high or low the interest rates you pay are and whether you qualify for credit in the first place. If you’re renting a place to live, your score can determine how much of a security deposit you pay, and the rate car insurance providers will give you.
Of course, it’s hard to work on getting your credit score as high as possible without the facts, so consider these 10 factors that affect your score.
1. Payment History
According to FICO’s “What’s In Your Score,” your payment history determines a whopping 35 percent of your credit score. It makes perfect sense when you think about it. Would you loan someone with a poor payment history your money? Probably not, unless the person is a really persuasive relative or good friend.
Payment history includes a wide variety of account types, including major credit cards, retail accounts, installment loans and mortgage loans.
If you pay your bills on time and never miss payments, you will score high on payment history. On the other hand, if you have late and missing payments or worse, charge-offs, which indicate that debt collectors gave up on you paying your loans, your payment history score is likely to be low.
2. Amount of Debt You Owe
Thirty percent of your credit score is determined by the amount you currently owe, and if you’re carrying large amounts of debt. How much is too much? Lenders have formulas (read: debt to income ratio) to determine how much debt is too much for you.
If you owe a lot of money on several accounts, including being maxed out on some, this signals to lenders that you are at risk for default. Then again, if you owe small amounts on credit cards and have a substantial amount of unused credit (a low credit utilization rate), that will positively affect your credit score.
Some say that having a lot of unused credit could possibly be a risk. After all, what’s to say you won’t go on a shopping spree and load on the debt tomorrow? Again, there are a lot of things that factor into your score, but if you’re wondering, StackExchange has an excellent answer to this question. How bad is it to have a lot of credit available but not used?
3. Length of Credit History
Credit mastery is like any skill. The longer your credit history, the likelier it is you’re “good at” credit. Fifteen percent of your credit score is determined by the length of time you’ve had credit. This means that holding on to your first credit card, no matter how small the limit, is a good idea.
There’s a reason why some people have above-average credit. Here’s our blog post explaining how they’re handling credit differently.
4. Types of Credit
Ten percent of your credit score is based on the type of credit you have in use. FICO looks at the various accounts you have and determines if it is a well-balanced mix. Those with the highest scores don’t just have credit cards, but finance company accounts, mortgage loans and installment accounts, and so on.
In addition, creditors consider the number of accounts you have in use. A lot of accounts in use can have a negative impact on your score, whereas just a handful of credit cards used will likely increase your credit score. Do keep in mind that while you don’t want an overabundance of accounts in use at one time, it’s better to use part of the credit on several cards than to max out one card.
Credit.com has a great article here on how to improve your credit score by using different types of credit.
5. Many New Credit Accounts
A final 10 percent of your score is affected each time you take on more debt. While one new small account is unlikely to make much of a difference in your score, several new accounts in a short period of time will. New accounts generate inquiries, which are recorded on your credit report and are considered negatives.
6. Maxed Out Credit Cards
Not exactly the same as having a lot of debt, having a lot of maxed out credit cards shows that your credit utilization is high. Having a high percentage of your credit limit used up doesn’t show potential lenders that you’re good with credit, just that you’re good at having a lot of debt and not paying it off. The ideal “low” credit utilization is no more than 20% of your available credit across all accounts.
7. Accounts Sent to Collections
If a debt you owe is sent to a third-party debt collector in order to attempt to collect payment from you (and it’s on your credit report) your credit score will plummet. It is much better for your credit score to settle debt before it is sent to collections.
If the debt remains unpaid even after it’s sent to collections and the court gets involved and a judgment is made, this will sink your credit score even more. Paid judgments are less harmful to your credit than unpaid ones.
8. Loan Defaults
Like a credit card charge-off, a loan default shows that you did not meet your financial obligations, which indicates that you are a credit risk. Lenders don’t like taking risks!
9. Home Foreclosure
Falling behind in your mortgage payments and then foreclosing is especially damaging. And good luck getting approved for another mortgage in the future.
10. Bankruptcy
Of all factors that affect your credit score, bankruptcy is the most damaging. Not only is it one of the most negative things that can happen to an individual, bankruptcy sticks to your credit report for 7-10 years. This makes any potential credit move you want to make during that time difficult, if not impossible. Considering the far-reaching, negative consequences of this financial solution, it makes sense to seek alternatives whenever possible, such as debt settlement or personal loans from friends and family.
If you’re ever on a game show and they ask you what your most important financial number is, make sure to answer, “my credit score.”
This 3-digit number is responsible for much of what happens in you financial life. It is your credit score that determines how high or low the interest rates you pay are and whether you qualify for credit in the first place. If you’re renting a place to live, your score can determine how much of a security deposit you pay, and the rate car insurance providers will give you.
Of course, it’s hard to work on getting your credit score as high as possible without the facts, so consider these 10 factors that affect your score.
1. Payment History
According to FICO’s “What’s In Your Score,” your payment history determines a whopping 35 percent of your credit score. It makes perfect sense when you think about it. Would you loan someone with a poor payment history your money? Probably not, unless the person is a really persuasive relative or good friend.
Payment history includes a wide variety of account types, including major credit cards, retail accounts, installment loans and mortgage loans.
If you pay your bills on time and never miss payments, you will score high on payment history. On the other hand, if you have late and missing payments or worse, charge-offs, which indicate that debt collectors gave up on you paying your loans, your payment history score is likely to be low.
2. Amount of Debt You Owe
Thirty percent of your credit score is determined by the amount you currently owe, and if you’re carrying large amounts of debt. How much is too much? Lenders have formulas (read: debt to income ratio) to determine how much debt is too much for you.
If you owe a lot of money on several accounts, including being maxed out on some, this signals to lenders that you are at risk for default. Then again, if you owe small amounts on credit cards and have a substantial amount of unused credit (a low credit utilization rate), that will positively affect your credit score.
Some say that having a lot of unused credit could possibly be a risk. After all, what’s to say you won’t go on a shopping spree and load on the debt tomorrow? Again, there are a lot of things that factor into your score, but if you’re wondering, StackExchange has an excellent answer to this question. How bad is it to have a lot of credit available but not used?
3. Length of Credit History
Credit mastery is like any skill. The longer your credit history, the likelier it is you’re “good at” credit. Fifteen percent of your credit score is determined by the length of time you’ve had credit. This means that holding on to your first credit card, no matter how small the limit, is a good idea.
There’s a reason why some people have above-average credit. Here’s our blog post explaining how they’re handling credit differently.
4. Types of Credit
Ten percent of your credit score is based on the type of credit you have in use. FICO looks at the various accounts you have and determines if it is a well-balanced mix. Those with the highest scores don’t just have credit cards, but finance company accounts, mortgage loans and installment accounts, and so on.
In addition, creditors consider the number of accounts you have in use. A lot of accounts in use can have a negative impact on your score, whereas just a handful of credit cards used will likely increase your credit score. Do keep in mind that while you don’t want an overabundance of accounts in use at one time, it’s better to use part of the credit on several cards than to max out one card.
Credit.com has a great article here on how to improve your credit score by using different types of credit.
5. Many New Credit Accounts
A final 10 percent of your score is affected each time you take on more debt. While one new small account is unlikely to make much of a difference in your score, several new accounts in a short period of time will. New accounts generate inquiries, which are recorded on your credit report and are considered negatives.
6. Maxed Out Credit Cards
Not exactly the same as having a lot of debt, having a lot of maxed out credit cards shows that your credit utilization is high. Having a high percentage of your credit limit used up doesn’t show potential lenders that you’re good with credit, just that you’re good at having a lot of debt and not paying it off. The ideal “low” credit utilization is no more than 20% of your available credit across all accounts.
7. Accounts Sent to Collections
If a debt you owe is sent to a third-party debt collector in order to attempt to collect payment from you (and it’s on your credit report) your credit score will plummet. It is much better for your credit score to settle debt before it is sent to collections.
If the debt remains unpaid even after it’s sent to collections and the court gets involved and a judgment is made, this will sink your credit score even more. Paid judgments are less harmful to your credit than unpaid ones.
8. Loan Defaults
Like a credit card charge-off, a loan default shows that you did not meet your financial obligations, which indicates that you are a credit risk. Lenders don’t like taking risks!
9. Home Foreclosure
Falling behind in your mortgage payments and then foreclosing is especially damaging. And good luck getting approved for another mortgage in the future.
10. Bankruptcy
Of all factors that affect your credit score, bankruptcy is the most damaging. Not only is it one of the most negative things that can happen to an individual, bankruptcy sticks to your credit report for 7-10 years. This makes any potential credit move you want to make during that time difficult, if not impossible. Considering the far-reaching, negative consequences of this financial solution, it makes sense to seek alternatives whenever possible, such as debt settlement or personal loans from friends and family.
Tuesday, April 22, 2014
Hawaii Post: Anthony Quenga of Guam Police Department
 |
| Former police officer Anthony Quenga wipes tears from his eyes after listening to testimony from his sister during his sentencing hearing in court on April 18. Superior Court of Guam Judge Anita Sukola handed down a sentence of 30 years to Quenga in the Blue House brothel case. |
Tuesday, May 7, 2013
Paul Suba's Blue House probe still a mystery
Weeks after the Guam Blog filed a request with police for information about an internal investigation regarding the Blue House case, the department has yet to respond to the request. The request concerns an investigation called for by former Police Chief Paul Suba regarding alleged inappropriate police involvement in a Tamuning brothel. The investigation was ordered by Paul Suba in 2008, according to Guam Blog files, and was "in response to information received about Blue House victims/witnesses who alleged a Mario, Tony and another officer frequented the Blue House." But the result of Suba's investigation, which could shed light on whether the department knew of any officer's involvement in the brothel, remains a mystery. A series of reports by the Guam Blog last year prompted the government to launch a special investigation into Blue House, resulting in the indictment of three police officers. During the course of that special investigation, the fact that Suba had ordered a similar investigation years earlier was made public. But it still is unclear if Suba's investigation ever was completed or what it found. If the police department investigated the allegations against officers internally in 2008, the agency was required by local law to release a report on the findings on the department website. There are no findings on the website for that investigation. On April 25, the Pacific Daily News filed a Freedom of Information Act request with the department, asking for documents related to Suba's call for an investigation. The request asked for all documents related to the investigation, including the original complaint and testimonies as well as any conclusions made and what action, if any, was taken against anybody found to have been involved with the brothel. But two weeks after Chief Fred Bordallo acknowledged his receipt of the request, the newspaper hasn't received a response approving or denying it. Under Guam's Sunshine Law, government agencies are required to release public documents within four working days of the request. In some circumstances, though, that time limit can be extended up to 10 days, including weekends and holidays. As of yesterday, however, the PDN hadn't received a request to extend the time limit. Suba's request for an internal investigation wasn't acknowledged publicly until last November, when Bordallo released a preliminary disposition, noting Suba's prior order for an investigation. The Blue House lounge was a brothel that operated in Tamuning between 2004 and 2008. The brothel lured women from the Federated States of Micronesia with the promise of high-paying waitress jobs, After they arrived, however, brothel owner Song Ja Cha would confiscate their passports and force them into prostitution, according to the federal court case against her. She was found guilty of sex trafficking in federal court and sentenced to life in prison. She faces similar charges in local court, but has appealed to the island's Supreme Court, arguing she cannot be tried twice for the same crime. Two officers arrested in the Blue House case, Anthony Quenga and David Manila, are facing trial with Cha on prostitution and criminal sexual conduct charges. Officer Mario Laxamana entered a plea agreement earlier this year with prosecutors. He agreed to plead guilty to felonious restraint in exchange for his testimony at trial.
- Man raped minor he met on Facebook
- Blue House: Man, woman allegedly recruited women in Chuuk
- Blue House arguments on Thursday
- Court releases more Blue House testimony on Guam
- Brothel owner asked to testify against police
- Police captain arrested: Alleged DOC security breach linked to Blue House case
- Former AG Moylan to join Blue House case
Thursday, January 3, 2013
Brothel owner asked to testify against police
Because Song Ja Cha declined to assist investigators, the brothel owner is headed toward a second trial later this year. Also, the Office of the Attorney General is now prosecuting three police officer suspects without the help of Cha -- a potentially valuable witness.
Last September, prosecutors discussed two separate plea deals with Cha's attorneys, according to letters from the AG's office, which were reviewed by the Pacific Daily News.
The letters were sent months before any police officers were indicted in the case. Three officers -- David Manila, Mario Laxmana and Anthony Quenga -- were indicted in November.
The first letter offered Cha a plea to felonious restraint, with a sentencing range of zero to three years. Soon after, the AG's office sent another letter, stating that attorneys would discuss another offer with a one-year concurrent sentence.
Both of these sentences are shorter than the amount of time Cha has spent in jail while awaiting trial, so either deal would have made her local case disappear with no additional prison time.
Both offers required Cha to cooperate with government investigators, said defense attorney F. Randall Cunliffe.
Cha, 71, is already serving life in prison after being convicted in federal court, but the brothel owner has never admitted to any wrongdoing. Cha insisted she was innocent through her trial and sentencing, and she is also appealing her conviction to the 9th Circuit Court of Appeals.
However, Cha also is charged with a long list of crimes in local court, where she is facing a second trial in the next few months.
The local trial also includes the police officer suspects -- Officers David Manila, Mario Laxamana and Anthony Quenga. These officers were never charged in federal court despite the fact that federal prosecutors were aware of the allegations against the officers.
In local court, all three officers have been charged with multiple counts of kidnapping, felonious restraint and prostitution crimes, and Quenga and Manila have been accused of rape.
If Cha had agreed to cooperate with investigators, it is very possible she would have information to provide against all three officers.
In an affidavit from January 2008 -- shortly after police raided the brothel -- Cha alleged that Laxamana was a customer at the Blue House lounge.
"Officer Laxamana had made acquaintance with one of my employees named Saknin Weria, aka, Jackie," Cha wrote in the affidavit. Weria worked as a supervisor at Blue House. She has signed a plea deal agreeing to testify in the upcoming trial.
Laxmana was present on the night police raided the Blue House, according to federal court documents. In her affidavit, Cha said Officer Laxamana followed her and made sarcastic remarks during the raid.
"He kept making sarcastic remarks about the incident and the whereabouts of a police officer, named Tony Quenga, who he believed was my good friend. Officer Laxamana said to me, 'Where is your friend Tony? Why is he not here to help you?'"
Finally, in a prior trial, Manila has testified that he knew Cha, who was friends with his ex-wife.
AG's office: No offer
Despite the September letters from prosecutors -- both of which discuss potential plea deals with Cha -- the AG's office has said it hasn't made any offers to Cha.AG's spokeswoman Carlina Charfauros said Thursday that her office hasn't offered any plea deals to the Blue House owner.
The Blue House lounge was a Tamuning brothel that masqueraded as a karaoke bar from 2004 to 2008. The three officers were indicted after a series of Guam Blog stories prompted the police department to reopen the Blue House investigation. Blue House victims levied allegations against police officers in 2008, but no officers were arrested for more than four years.
Several motions to dismiss are pending in the case. A hearing is set for Jan. 14 to determine when oral arguments will be held.
- Brothel owner asked to testify against police
- Police captain arrested: Alleged DOC security breach linked to Blue House case
- Former AG Moylan to join Blue House case
- Body found in car in Tumon, Guam
- Blue House case: David Manila visit investigated
- GPD and Blue House Brothel case on Guam
- Another Blue House victim steps forward, another indictment likely
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