Millions more people will have free access to their FICO credit score this year. That’s good news for consumers, since the number is widely used by lenders to check potential borrowers’ financial health.

Ford credit score requirements for Ford Motor credit generally recommended that you have at least a 650 credit score to apply for Ford credit with any likelihood of approval. Having a credit score lower than this does not necessarily mean that you cannot get a line of credit, but the terms will not be nearly as favorable.

Credit Card Application for Credit One Bank is one of the leading issuers of Visa credit cards specifically for consumers who need to establish or rebuild their credit. Through Credit One Bank’s website, consumers can get pre-qualified or apply for a credit card without affecting their credit score.

Zales are known for their quality merchandise offered at affordable prices, and sell both used and new jewelry, all of which can be personalized. Card holders receive a variety of credit options, insurance and the usual online account management advantages. If you like to shop at Zales, then you might want to consider getting the Zales Credit Card.

Your credit score report can be affect by more than your available credit history. We talk about how credit cards, mortgages, car loans, and any type of loan that reports to all 3 credit bureaus will affect your credit score. We don’t always talk about utility companies and how they can have a negative impact on your credit report. Here are utility companies I like to consider non-creditors. In other words these companies don’t give you a line credit, they just provide a service.