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HOW TO PURCHASE YOUR "DREAM HOME" WITH NO CREDIT CHECK

Part 3

  OCCUPATION - Occupationss can be divided into many categories with a high to low score within each category for different occupations.

  AGE - Older is not considered better until you pass age 40. Under 25 to the end of your 30's receive the lowest scores. The rational is that people under 25 haven't proven they are a good credit risk. People in their 30's are still raising a family, buying a home, and tied down with emormous expenses. This is also the time most people declare bankruptcy

  INCOME - The higher your income the more points you will receive.

  TELEPHONE - Having a telephone is an indication of stability. Give yourself more points.

  AGE OF AUTOMOBILE - No auto is a low score, but the newer the vehicle the higher the score.

  DEPENDENTS - One to three indicates responsibility and stability. After three, points drop rapidly.

  CITIZENSHIP STATUS - Non-citizens receive negative points.

  BANK ACCOUNTS - You receive high points if you have a checking and savings account.

  CREDIT REFERENCES IN-HOUSE RECORDS - A good payment record will earn you more points.

  CREDIT CARDS - The more major credit cards you have the better.

  BANK LOANS - A current bank loan will increase your score.

  FINANCE COMPANY LOANS - You will receive negative points for each finance company loan.

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