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DeeNice67

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Derogatory Marks - Only have Excellent, Poor and Very Poor. What happened to Good or Fair?
Why is Good not part of the formula in regards to Derogatory Marks? Not having Good or Fair and going from Excellent to Poor, seems to be unfair and only helps the creditors to give higher percentages to customers.

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If you have read the articles provided on this site, you would be able to understand how the credit score is determined and the importance of each of the factors used in determining the score.  Reading the articles, using the financial tools and correcting some past mistakes helped me to build my score quite well so that I was recently able to buy a new car at a low interest rate. 

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