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One Thing You Can Control: Your Credit Score
By RON LIEBER
Article
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I know it seems odd to think about your own creditworthiness at a
time like this. Isn’t borrowing what got the world into this mess in
the first place?
Your credit score, however, is something that
you have a fair bit of control over, since it reflects your behavior as
a borrower. Right about now, focusing on something within your control
may feel like real progress. Last week, we started down that road with
a look at budgets and spending, and there’s more to come.
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Meanwhile, the minimum credit score required for the very best rate [on auto loans] was 786 at the end of September according to CNW, up from 741 a year ago
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Let me emphasize that number: 786 for the best rate. This is the highest cutoff I have seen published anywhere for any loan category. I've long been accustomed to regarding my own scores (EQ 787/TU 796/EX 821) as über-prime, but now it seems I'm just barely in the lowest-risk category.