530*credit

💡 : Consistency is more important than speed. A 530 score is often the result of a few major setbacks; rebuilding is a slow process of proving reliability to lenders.

: High interest rates and large security deposits for utilities or rentals. 530*credit

: This makes up 35% of your score; even one 30-day late payment can drop a score by up to 110 points. 💡 : Consistency is more important than speed

: Moving from 530 to 600+ generally requires a year of perfect payment history. 530*credit