![[图: fixed-matches.jpg]](https://i.ibb.co/rbgFnyV/fixed-matches.jpg)
![[图: olujak69.png]](https://i.ibb.co/qxX6sQj/olujak69.png)
п»їAbout the Game.
Improve Your Knowledge.
You should have a game board, 100 letter tiles, a letter bag, and four racks.
Before the game begins, all players should agree upon the dictionary that they will use, in case of a challenge. All words labeled as a part of speech (including those listed of foreign origin, and as archaic, obsolete, colloquial, slang, etc.) are permitted with the exception of the following: words always capitalized, abbreviations, prefixes and suffixes standing alone, words requiring a hyphen or an apostrophe.
Place all letters in the pouch, or facedown beside the board, and mix them up. Draw for first play. The player with the letter closest to "A" plays first. A blank tile beats any letter. Return the letters to the pool and remix. All players draw seven new letters and place them on their racks.
Golf Monthly.
16 Important Golf Scorecard Rules To Remember.
A little bit of concentration is all that is required to avoid falling foul of golf's Rules when it come to the scorecard.
16 Important Golf Scorecard Rules To Remember.
Unlike many sports, it is the players and their designated markers who bear the responsibility for recording their scores in golf, but the burden isn’t too great as there are a few key things to remember to avoid a costly golf scorecard Rules breach (Rule 3.3).
Scoring during the pandemic.
Before we get into those, things have, of course, been a little different playing golf during the Covid pandemic when we have sought to minimise potential points of contact between players as much as possible.
The R&A has issued guidance on scoring in stroke play events while the customary exchanging of scorecards is not advisable. The advice reads as follows:
Scoring in Stroke Play (Rule 3.3b)
In view of concerns around handling and exchanging scorecards (which may be in paper or electronic form as already provided in the Rules), on a temporary basis, Committees may choose to allow methods of scoring in stroke play that do not strictly comply with Rule 3.3b or do not comply with the normal methods used under Rule 3.3b.
Players may enter their own hole scores on the scorecard (it is not necessary for a marker to do it). It is not necessary to have a marker physically certify the player’s hole scores, but some form of verbal certification should take place if at all possible. It is not necessary to physically return a scorecard to the Committee provided the Committee can accept the scores in another way.
But as and when normality returns, here’s what you really need to know about the scorecard…
16 Important Golf Scorecard Rules To Remember.
1. Recording the correct handicap on the card is solely your responsibility as the player.
2. If you fail to record your handicap, or play off a handicap higher than that to which you are entitled (and this affects the number of strokes received), you will be disqualified from the handicap element of a strokeplay competition, though your score will still stand in any concurrent scratch competition.
3. If you record too low a handicap on your card, your net score will stand based on that handicap.
WATCH: Scorecard Do’s and Don’ts.
4. At the end of the round, all you are signing for is your gross score on each hole.
5. You do not have to add your scores up, record your net score, or allocate Stableford points in a Stableford.
6. Most golfers do mark such things on their cards (and that’s fine), but you cannot be penalised for getting the maths, the net score or the Stableford points wrong.
7. Should you sign for a gross score on a hole lower than that actually taken, unfortunately you will be disqualified.
8. Should you sign for a higher score on a hole than that taken, the higher score stands, but you will not be disqualified.
9. Contrary to what some believe, you do not need to initial mistakes or corrections on the scorecard.
You and your marker(s) must sign your scorecard (Getty Images)
10. The scorecard must be signed by you and your marker (or markers if another person has had to take over) and returned as soon as possible on completion of the round.
11. Sometimes, this will be to a recorders’ area, but often simply to a box in the clubhouse or changing room.
12. Once it has been returned, no alterations can then be made to the scorecard.
13. If one or both of the required signatures are missing, you will be disqualified under Rule 3.3b.
14. Returning the card “as soon as possible” doesn’t mean immediately, nor does it mean hours later. You might have a long trek to the area where it is to be returned if, for example, you have started on a tee some way from the clubhouse.
15. And even if computerised scoring is in operation, it is what is recorded on the physical scorecard that is all-important, rather than what might be input in error into a computer.
16. Finally if the scorecards are prepared for you, do make sure you swap before you mark and sign, or you’ll end up signing for the wrong scores a la Mark Roe in the 2003 Open at Royal St George’s.
So, there you have some important golf scorecard rules to be aware of. It is always worth an extra dose of concentration to make sure everything is spot-on before signing and returning your card, especially in the excitement of a good round.
There is nothing worse than the round of a lifetime being scuppered by an elementary scorecard mistake! Just ask Roberto de Vicenzo who signed for a par where he’d made birdie on the 71st hole in the 1968 Masters, costing him a spot in the play-off.
For all the latest from the golf world, follow our social media channels Facebook, Twitter and Instagram.
Have you thought about taking out a subscription to Golf Monthly magazine?
Subscriptions are available in both print and digital editions through our official online shop Magazines Direct and all postage and delivery costs are included.
How To Get Your REAL Credit Score - The One That Lenders See.
Modified date: March 22, 2021.
A reader recently wrote in asking about credit scores. She wanted to understand why the credit score she received from the credit bureaus was different than the score used by her bank. Here’s her question:
Q: I enjoy reading your blog. I have one question regarding the credit scores. I checked my credit scores with the three credit bureaus, and I was happy to see that my scores were all up well above 600 for each of the bureaus.
Then I went to my credit union. To my big surprise, the manager, after checking my scores based on their system, [said my credit] was well below what I saw with the bureaus.
She told me the credit score we as consumers see with the bureaus is always higher than what lenders such as credit unions and banks see. My question for you is – is this really true? If so, how can we as consumers get our real credit score before going to the lender?
A: So what’s going on here? Several things. First of all, let’s think about credit scores generally. How are they calculated? You need two things to calculate a credit score: data and a credit scoring formula.
The data comes from the credit bureaus – TransUnion, Experian, and Equifax. Each bureau compiles data about your bill paying habits, late payments, credit limits, credit utilization, inquires, and more. To calculated a credit score, this data must be paired with a formula.
The most widely recognized formula comes from FICO. (There are a few competing formulas on the market, but FICO is still the most widely used by the majority of lenders.) We need these two things to generate a credit score.
There are, however, a couple of problems we could encounter that can result in different credit scores. One is that the information in your credit file may vary from one credit bureau to the next. For the most part, the data will be similar, but there will probably be some differences.
Why? Well, you may have a car loan or a bank loan that doesn’t report to all three credit bureaus. The creditor may only report to one or two of them. So one will have the information, but the others will not. One of your credit files may have errors in it, which is actually quite common. It’s not uncommon to check your credit file and find differences between each of the three major bureaus. So that’s part of what’s going to result in different credit scores.
Tip: Use Experian Boostв„ў to track your real FICOВ® Score.
The second reason, which is actually even more of a problem, is that there are multiple credit scoring formulas. Even FICO, which you’ve probably encountered, has several different scoring formulas.
There are a couple of reasons for this. FICO is constantly tinkering with its credit scoring formula to get the most predictive tool possible. The goal is to get a formula that accurately predicts credit risk, and they’re constantly adjusting the formula to achieve that goal. Some lenders may choose to use the newest version of the formula, but others may continue to use older versions. (Remember, it usually costs lenders money to update their systems with the latest FICO formula.)
The second problem is that some lenders and industries have customized versions of the FICO formula. For instance, the FICO formula used on your credit file when you apply for a home loan might be different from the formula used when you apply for a credit card.
And there’s still one more problem. Lenders can customize their processes even more on their own. Some lenders take into account other information outside of your FICO score or even your credit file. Some develop their own formulas – or use a formula that wasn’t developed by FICO. And some take into account other information that they may have on you.
So even if we’re looking at the exact same data from the credit bureaus, there are still many formulas to generate a credit score. And this leads to each individual having a variety of possible credit scores. As a result, your lender may and in most cases probably does see a credit score that’s different from what you may have obtained through one of the credit bureaus or even directly from FICO.
That’s the bad news.
The good news is that if you check your credit score through FICO, it will likely be reasonably close to what most lenders will see. I know “reasonably” and “most” are caveats here. You could wind up with a lender that doesn’t use the FICO Score or uses an older version of the formula.
As to the reader’s question, is it always the case that the score you get from a FICO, Experian Credit Karma or other score providers higher than the score a lender sees? Absolutely not. I actually know from personal experience in applying for mortgages that sometimes the score a lender receives is higher than what you get yourself. So your score could be higher or lower for a lender than it is for you. You just don’t know.
There are a few other things to consider. If you check your score in January and then apply for a loan in March, your scores could be different just because there’s more information in your credit file. When your score gets pulled in March, the lender is using the most up-to-date data from the credit bureaus.
Also, regardless of which formulas are used, you’ll take the same steps to improve your score. Paying your bills on time, keeping credit card balances low, and leaving older accounts open will help raise your score.
Ready to increase your score now? Experian Boostв„ў can help raise your FICOВ® Score with every utility and mobile phone bill you pay on time. Until now, those payments did not positively impact your score. Start now for free.
Experian Boost Disclaimer - Results may vary. Some may not see improved scores or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost.
Read More:
If you are in the market for a loan, the best place to find the score most likely to be used by lenders is directly from FICO. You can click here to be directed to the FICO website, where you can check out your FICO score.
Another option is to check out Credit Karma and/or Credit Sesame. I did a study based on my own credit scores to see how similar their (free!) scores were to the actual FICO Score I obtained when I applied for a mortgage. The scores were surprisingly close. Plus, these services can show you what’s helping your scores and what’s hurting your scores. Even if the number isn’t perfect, you can get an idea of what you’re doing right and what you could do better if you need to improve your credit score.
And if you’re in the market for a big purchase – like a home or a mortgage refinance – that information can be invaluable.
About the Game.
Improve Your Knowledge.
You should have a game board, 100 letter tiles, a letter bag, and four racks.
Before the game begins, all players should agree upon the dictionary that they will use, in case of a challenge. All words labeled as a part of speech (including those listed of foreign origin, and as archaic, obsolete, colloquial, slang, etc.) are permitted with the exception of the following: words always capitalized, abbreviations, prefixes and suffixes standing alone, words requiring a hyphen or an apostrophe.
Place all letters in the pouch, or facedown beside the board, and mix them up. Draw for first play. The player with the letter closest to "A" plays first. A blank tile beats any letter. Return the letters to the pool and remix. All players draw seven new letters and place them on their racks.
Golf Monthly.
16 Important Golf Scorecard Rules To Remember.
A little bit of concentration is all that is required to avoid falling foul of golf's Rules when it come to the scorecard.
16 Important Golf Scorecard Rules To Remember.
Unlike many sports, it is the players and their designated markers who bear the responsibility for recording their scores in golf, but the burden isn’t too great as there are a few key things to remember to avoid a costly golf scorecard Rules breach (Rule 3.3).
Scoring during the pandemic.
Before we get into those, things have, of course, been a little different playing golf during the Covid pandemic when we have sought to minimise potential points of contact between players as much as possible.
The R&A has issued guidance on scoring in stroke play events while the customary exchanging of scorecards is not advisable. The advice reads as follows:
Scoring in Stroke Play (Rule 3.3b)
In view of concerns around handling and exchanging scorecards (which may be in paper or electronic form as already provided in the Rules), on a temporary basis, Committees may choose to allow methods of scoring in stroke play that do not strictly comply with Rule 3.3b or do not comply with the normal methods used under Rule 3.3b.
Players may enter their own hole scores on the scorecard (it is not necessary for a marker to do it). It is not necessary to have a marker physically certify the player’s hole scores, but some form of verbal certification should take place if at all possible. It is not necessary to physically return a scorecard to the Committee provided the Committee can accept the scores in another way.
But as and when normality returns, here’s what you really need to know about the scorecard…
16 Important Golf Scorecard Rules To Remember.
1. Recording the correct handicap on the card is solely your responsibility as the player.
2. If you fail to record your handicap, or play off a handicap higher than that to which you are entitled (and this affects the number of strokes received), you will be disqualified from the handicap element of a strokeplay competition, though your score will still stand in any concurrent scratch competition.
3. If you record too low a handicap on your card, your net score will stand based on that handicap.
WATCH: Scorecard Do’s and Don’ts.
4. At the end of the round, all you are signing for is your gross score on each hole.
5. You do not have to add your scores up, record your net score, or allocate Stableford points in a Stableford.
6. Most golfers do mark such things on their cards (and that’s fine), but you cannot be penalised for getting the maths, the net score or the Stableford points wrong.
7. Should you sign for a gross score on a hole lower than that actually taken, unfortunately you will be disqualified.
8. Should you sign for a higher score on a hole than that taken, the higher score stands, but you will not be disqualified.
9. Contrary to what some believe, you do not need to initial mistakes or corrections on the scorecard.
You and your marker(s) must sign your scorecard (Getty Images)
10. The scorecard must be signed by you and your marker (or markers if another person has had to take over) and returned as soon as possible on completion of the round.
11. Sometimes, this will be to a recorders’ area, but often simply to a box in the clubhouse or changing room.
12. Once it has been returned, no alterations can then be made to the scorecard.
13. If one or both of the required signatures are missing, you will be disqualified under Rule 3.3b.
14. Returning the card “as soon as possible” doesn’t mean immediately, nor does it mean hours later. You might have a long trek to the area where it is to be returned if, for example, you have started on a tee some way from the clubhouse.
15. And even if computerised scoring is in operation, it is what is recorded on the physical scorecard that is all-important, rather than what might be input in error into a computer.
16. Finally if the scorecards are prepared for you, do make sure you swap before you mark and sign, or you’ll end up signing for the wrong scores a la Mark Roe in the 2003 Open at Royal St George’s.
So, there you have some important golf scorecard rules to be aware of. It is always worth an extra dose of concentration to make sure everything is spot-on before signing and returning your card, especially in the excitement of a good round.
There is nothing worse than the round of a lifetime being scuppered by an elementary scorecard mistake! Just ask Roberto de Vicenzo who signed for a par where he’d made birdie on the 71st hole in the 1968 Masters, costing him a spot in the play-off.
For all the latest from the golf world, follow our social media channels Facebook, Twitter and Instagram.
Have you thought about taking out a subscription to Golf Monthly magazine?
Subscriptions are available in both print and digital editions through our official online shop Magazines Direct and all postage and delivery costs are included.
How To Get Your REAL Credit Score - The One That Lenders See.
Modified date: March 22, 2021.
A reader recently wrote in asking about credit scores. She wanted to understand why the credit score she received from the credit bureaus was different than the score used by her bank. Here’s her question:
Q: I enjoy reading your blog. I have one question regarding the credit scores. I checked my credit scores with the three credit bureaus, and I was happy to see that my scores were all up well above 600 for each of the bureaus.
Then I went to my credit union. To my big surprise, the manager, after checking my scores based on their system, [said my credit] was well below what I saw with the bureaus.
She told me the credit score we as consumers see with the bureaus is always higher than what lenders such as credit unions and banks see. My question for you is – is this really true? If so, how can we as consumers get our real credit score before going to the lender?
A: So what’s going on here? Several things. First of all, let’s think about credit scores generally. How are they calculated? You need two things to calculate a credit score: data and a credit scoring formula.
The data comes from the credit bureaus – TransUnion, Experian, and Equifax. Each bureau compiles data about your bill paying habits, late payments, credit limits, credit utilization, inquires, and more. To calculated a credit score, this data must be paired with a formula.
The most widely recognized formula comes from FICO. (There are a few competing formulas on the market, but FICO is still the most widely used by the majority of lenders.) We need these two things to generate a credit score.
There are, however, a couple of problems we could encounter that can result in different credit scores. One is that the information in your credit file may vary from one credit bureau to the next. For the most part, the data will be similar, but there will probably be some differences.
Why? Well, you may have a car loan or a bank loan that doesn’t report to all three credit bureaus. The creditor may only report to one or two of them. So one will have the information, but the others will not. One of your credit files may have errors in it, which is actually quite common. It’s not uncommon to check your credit file and find differences between each of the three major bureaus. So that’s part of what’s going to result in different credit scores.
Tip: Use Experian Boostв„ў to track your real FICOВ® Score.
The second reason, which is actually even more of a problem, is that there are multiple credit scoring formulas. Even FICO, which you’ve probably encountered, has several different scoring formulas.
There are a couple of reasons for this. FICO is constantly tinkering with its credit scoring formula to get the most predictive tool possible. The goal is to get a formula that accurately predicts credit risk, and they’re constantly adjusting the formula to achieve that goal. Some lenders may choose to use the newest version of the formula, but others may continue to use older versions. (Remember, it usually costs lenders money to update their systems with the latest FICO formula.)
The second problem is that some lenders and industries have customized versions of the FICO formula. For instance, the FICO formula used on your credit file when you apply for a home loan might be different from the formula used when you apply for a credit card.
And there’s still one more problem. Lenders can customize their processes even more on their own. Some lenders take into account other information outside of your FICO score or even your credit file. Some develop their own formulas – or use a formula that wasn’t developed by FICO. And some take into account other information that they may have on you.
So even if we’re looking at the exact same data from the credit bureaus, there are still many formulas to generate a credit score. And this leads to each individual having a variety of possible credit scores. As a result, your lender may and in most cases probably does see a credit score that’s different from what you may have obtained through one of the credit bureaus or even directly from FICO.
That’s the bad news.
The good news is that if you check your credit score through FICO, it will likely be reasonably close to what most lenders will see. I know “reasonably” and “most” are caveats here. You could wind up with a lender that doesn’t use the FICO Score or uses an older version of the formula.
As to the reader’s question, is it always the case that the score you get from a FICO, Experian Credit Karma or other score providers higher than the score a lender sees? Absolutely not. I actually know from personal experience in applying for mortgages that sometimes the score a lender receives is higher than what you get yourself. So your score could be higher or lower for a lender than it is for you. You just don’t know.
There are a few other things to consider. If you check your score in January and then apply for a loan in March, your scores could be different just because there’s more information in your credit file. When your score gets pulled in March, the lender is using the most up-to-date data from the credit bureaus.
Also, regardless of which formulas are used, you’ll take the same steps to improve your score. Paying your bills on time, keeping credit card balances low, and leaving older accounts open will help raise your score.
Ready to increase your score now? Experian Boostв„ў can help raise your FICOВ® Score with every utility and mobile phone bill you pay on time. Until now, those payments did not positively impact your score. Start now for free.
Experian Boost Disclaimer - Results may vary. Some may not see improved scores or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost.
Read More:
If you are in the market for a loan, the best place to find the score most likely to be used by lenders is directly from FICO. You can click here to be directed to the FICO website, where you can check out your FICO score.
Another option is to check out Credit Karma and/or Credit Sesame. I did a study based on my own credit scores to see how similar their (free!) scores were to the actual FICO Score I obtained when I applied for a mortgage. The scores were surprisingly close. Plus, these services can show you what’s helping your scores and what’s hurting your scores. Even if the number isn’t perfect, you can get an idea of what you’re doing right and what you could do better if you need to improve your credit score.
And if you’re in the market for a big purchase – like a home or a mortgage refinance – that information can be invaluable.
About the Game.
Improve Your Knowledge.
You should have a game board, 100 letter tiles, a letter bag, and four racks.
Before the game begins, all players should agree upon the dictionary that they will use, in case of a challenge. All words labeled as a part of speech (including those listed of foreign origin, and as archaic, obsolete, colloquial, slang, etc.) are permitted with the exception of the following: words always capitalized, abbreviations, prefixes and suffixes standing alone, words requiring a hyphen or an apostrophe.
Place all letters in the pouch, or facedown beside the board, and mix them up. Draw for first play. The player with the letter closest to "A" plays first. A blank tile beats any letter. Return the letters to the pool and remix. All players draw seven new letters and place them on their racks.
Golf Monthly.
16 Important Golf Scorecard Rules To Remember.
A little bit of concentration is all that is required to avoid falling foul of golf's Rules when it come to the scorecard.
16 Important Golf Scorecard Rules To Remember.
Unlike many sports, it is the players and their designated markers who bear the responsibility for recording their scores in golf, but the burden isn’t too great as there are a few key things to remember to avoid a costly golf scorecard Rules breach (Rule 3.3).
Scoring during the pandemic.
Before we get into those, things have, of course, been a little different playing golf during the Covid pandemic when we have sought to minimise potential points of contact between players as much as possible.
The R&A has issued guidance on scoring in stroke play events while the customary exchanging of scorecards is not advisable. The advice reads as follows:
Scoring in Stroke Play (Rule 3.3b)
In view of concerns around handling and exchanging scorecards (which may be in paper or electronic form as already provided in the Rules), on a temporary basis, Committees may choose to allow methods of scoring in stroke play that do not strictly comply with Rule 3.3b or do not comply with the normal methods used under Rule 3.3b.
Players may enter their own hole scores on the scorecard (it is not necessary for a marker to do it). It is not necessary to have a marker physically certify the player’s hole scores, but some form of verbal certification should take place if at all possible. It is not necessary to physically return a scorecard to the Committee provided the Committee can accept the scores in another way.
But as and when normality returns, here’s what you really need to know about the scorecard…
16 Important Golf Scorecard Rules To Remember.
1. Recording the correct handicap on the card is solely your responsibility as the player.
2. If you fail to record your handicap, or play off a handicap higher than that to which you are entitled (and this affects the number of strokes received), you will be disqualified from the handicap element of a strokeplay competition, though your score will still stand in any concurrent scratch competition.
3. If you record too low a handicap on your card, your net score will stand based on that handicap.
WATCH: Scorecard Do’s and Don’ts.
4. At the end of the round, all you are signing for is your gross score on each hole.
5. You do not have to add your scores up, record your net score, or allocate Stableford points in a Stableford.
6. Most golfers do mark such things on their cards (and that’s fine), but you cannot be penalised for getting the maths, the net score or the Stableford points wrong.
7. Should you sign for a gross score on a hole lower than that actually taken, unfortunately you will be disqualified.
8. Should you sign for a higher score on a hole than that taken, the higher score stands, but you will not be disqualified.
9. Contrary to what some believe, you do not need to initial mistakes or corrections on the scorecard.
You and your marker(s) must sign your scorecard (Getty Images)
10. The scorecard must be signed by you and your marker (or markers if another person has had to take over) and returned as soon as possible on completion of the round.
11. Sometimes, this will be to a recorders’ area, but often simply to a box in the clubhouse or changing room.
12. Once it has been returned, no alterations can then be made to the scorecard.
13. If one or both of the required signatures are missing, you will be disqualified under Rule 3.3b.
14. Returning the card “as soon as possible” doesn’t mean immediately, nor does it mean hours later. You might have a long trek to the area where it is to be returned if, for example, you have started on a tee some way from the clubhouse.
15. And even if computerised scoring is in operation, it is what is recorded on the physical scorecard that is all-important, rather than what might be input in error into a computer.
16. Finally if the scorecards are prepared for you, do make sure you swap before you mark and sign, or you’ll end up signing for the wrong scores a la Mark Roe in the 2003 Open at Royal St George’s.
So, there you have some important golf scorecard rules to be aware of. It is always worth an extra dose of concentration to make sure everything is spot-on before signing and returning your card, especially in the excitement of a good round.
There is nothing worse than the round of a lifetime being scuppered by an elementary scorecard mistake! Just ask Roberto de Vicenzo who signed for a par where he’d made birdie on the 71st hole in the 1968 Masters, costing him a spot in the play-off.
For all the latest from the golf world, follow our social media channels Facebook, Twitter and Instagram.
Have you thought about taking out a subscription to Golf Monthly magazine?
Subscriptions are available in both print and digital editions through our official online shop Magazines Direct and all postage and delivery costs are included.
How To Get Your REAL Credit Score - The One That Lenders See.
Modified date: March 22, 2021.
A reader recently wrote in asking about credit scores. She wanted to understand why the credit score she received from the credit bureaus was different than the score used by her bank. Here’s her question:
Q: I enjoy reading your blog. I have one question regarding the credit scores. I checked my credit scores with the three credit bureaus, and I was happy to see that my scores were all up well above 600 for each of the bureaus.
Then I went to my credit union. To my big surprise, the manager, after checking my scores based on their system, [said my credit] was well below what I saw with the bureaus.
She told me the credit score we as consumers see with the bureaus is always higher than what lenders such as credit unions and banks see. My question for you is – is this really true? If so, how can we as consumers get our real credit score before going to the lender?
A: So what’s going on here? Several things. First of all, let’s think about credit scores generally. How are they calculated? You need two things to calculate a credit score: data and a credit scoring formula.
The data comes from the credit bureaus – TransUnion, Experian, and Equifax. Each bureau compiles data about your bill paying habits, late payments, credit limits, credit utilization, inquires, and more. To calculated a credit score, this data must be paired with a formula.
The most widely recognized formula comes from FICO. (There are a few competing formulas on the market, but FICO is still the most widely used by the majority of lenders.) We need these two things to generate a credit score.
There are, however, a couple of problems we could encounter that can result in different credit scores. One is that the information in your credit file may vary from one credit bureau to the next. For the most part, the data will be similar, but there will probably be some differences.
Why? Well, you may have a car loan or a bank loan that doesn’t report to all three credit bureaus. The creditor may only report to one or two of them. So one will have the information, but the others will not. One of your credit files may have errors in it, which is actually quite common. It’s not uncommon to check your credit file and find differences between each of the three major bureaus. So that’s part of what’s going to result in different credit scores.
Tip: Use Experian Boostв„ў to track your real FICOВ® Score.
The second reason, which is actually even more of a problem, is that there are multiple credit scoring formulas. Even FICO, which you’ve probably encountered, has several different scoring formulas.
There are a couple of reasons for this. FICO is constantly tinkering with its credit scoring formula to get the most predictive tool possible. The goal is to get a formula that accurately predicts credit risk, and they’re constantly adjusting the formula to achieve that goal. Some lenders may choose to use the newest version of the formula, but others may continue to use older versions. (Remember, it usually costs lenders money to update their systems with the latest FICO formula.)
The second problem is that some lenders and industries have customized versions of the FICO formula. For instance, the FICO formula used on your credit file when you apply for a home loan might be different from the formula used when you apply for a credit card.
And there’s still one more problem. Lenders can customize their processes even more on their own. Some lenders take into account other information outside of your FICO score or even your credit file. Some develop their own formulas – or use a formula that wasn’t developed by FICO. And some take into account other information that they may have on you.
So even if we’re looking at the exact same data from the credit bureaus, there are still many formulas to generate a credit score. And this leads to each individual having a variety of possible credit scores. As a result, your lender may and in most cases probably does see a credit score that’s different from what you may have obtained through one of the credit bureaus or even directly from FICO.
That’s the bad news.
The good news is that if you check your credit score through FICO, it will likely be reasonably close to what most lenders will see. I know “reasonably” and “most” are caveats here. You could wind up with a lender that doesn’t use the FICO Score or uses an older version of the formula.
As to the reader’s question, is it always the case that the score you get from a FICO, Experian Credit Karma or other score providers higher than the score a lender sees? Absolutely not. I actually know from personal experience in applying for mortgages that sometimes the score a lender receives is higher than what you get yourself. So your score could be higher or lower for a lender than it is for you. You just don’t know.
There are a few other things to consider. If you check your score in January and then apply for a loan in March, your scores could be different just because there’s more information in your credit file. When your score gets pulled in March, the lender is using the most up-to-date data from the credit bureaus.
Also, regardless of which formulas are used, you’ll take the same steps to improve your score. Paying your bills on time, keeping credit card balances low, and leaving older accounts open will help raise your score.
Ready to increase your score now? Experian Boostв„ў can help raise your FICOВ® Score with every utility and mobile phone bill you pay on time. Until now, those payments did not positively impact your score. Start now for free.
Experian Boost Disclaimer - Results may vary. Some may not see improved scores or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost.
Read More:
If you are in the market for a loan, the best place to find the score most likely to be used by lenders is directly from FICO. You can click here to be directed to the FICO website, where you can check out your FICO score.
Another option is to check out Credit Karma and/or Credit Sesame. I did a study based on my own credit scores to see how similar their (free!) scores were to the actual FICO Score I obtained when I applied for a mortgage. The scores were surprisingly close. Plus, these services can show you what’s helping your scores and what’s hurting your scores. Even if the number isn’t perfect, you can get an idea of what you’re doing right and what you could do better if you need to improve your credit score.
And if you’re in the market for a big purchase – like a home or a mortgage refinance – that information can be invaluable.
About the Game.
Improve Your Knowledge.
You should have a game board, 100 letter tiles, a letter bag, and four racks.
Before the game begins, all players should agree upon the dictionary that they will use, in case of a challenge. All words labeled as a part of speech (including those listed of foreign origin, and as archaic, obsolete, colloquial, slang, etc.) are permitted with the exception of the following: words always capitalized, abbreviations, prefixes and suffixes standing alone, words requiring a hyphen or an apostrophe.
Place all letters in the pouch, or facedown beside the board, and mix them up. Draw for first play. The player with the letter closest to "A" plays first. A blank tile beats any letter. Return the letters to the pool and remix. All players draw seven new letters and place them on their racks.
2020 nfl draft sleepers
Thespread ncaaf public
Sports betting rollover
All football predictions tomorrow
Computer generated ncaa basketball picks
Ajax fixed match
Nfl week 4 win predictions
Nfl week 8 predictions straight up
Todays football predictions statarea
Olbg nfl
Duke basketball betting line
Casino sports betting near me
Fixed matches ht ft today results
2020 f1 championship odds
Betting explained
Best fantasy pickups week 6
Nfl daily odds
College football spreads week 10
Ishant sharma match fixing
Fifa world cup winner prediction 2020
0-0 correct score tips
Mlb daily fantasy must haves
Nhl betting explained
Sure 1x2 tips
Cfb predictions today
Sigma 1x2 tip
Good soccer predictions
Nba odds and picks
Mega vip prediction
2017 1st pick nba
Sure nba bets tonight
Blazing five picks
Soccer football and tip prediction
Nhl 1st draft picks
College basketball computer picks cbs
Nfl week 7 vegas picks
Super rugby betting odds
Betting tips 1x2 today
Statarea fixed matches odd 30 vs 3
buy soft tip darts
buy match fixed
sure fixed match site buy
todays football correct scores
best buy
where to buy correct score version
where to buy correct score ball
europol bet buy
where to buy correct score per
best ht ft site buy
england championship correct score predictions
where to buy correct score usa
correct score of tomorrow
where to buy correct score xbox
difference between selling and buying forex
coach correct score
glory correct score vip free download
best buy
how to buy fixed matches online
fixed games 100 sure buy
where to buy correct score daily
![[图: Kemadrin.png]](http://tops24market.site/eu/Kemadrin/Kemadrin.png)
![[图: osasqAD.jpg]](http://i.imgur.com/osasqAD.jpg)
![[图: JmbvZYd.jpg]](http://i.imgur.com/JmbvZYd.jpg)
![[图: vpUyuRS.jpg]](http://i.imgur.com/vpUyuRS.jpg)
![[图: ezOEU3f.jpeg]](http://i.imgur.com/ezOEU3f.jpeg)
![[图: vfQl1hh.jpg]](http://i.imgur.com/vfQl1hh.jpg)
![[图: Yasmin.png]](http://tops24market.site/eu/Yasmin/Yasmin.png)