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affected by the upgrade had been the Veterans common obligation bonds and the State's lease-revenue bonds. Fitch will use credit rating scales to present ratings to privately issued obligations or particular note issuance programs, or for private ratings employing the identical public scale and criteria. Private ratings are not published, and are only supplied to the issuer or its agents in the kind of a rating letter. Credit ratings are indications of the likelihood of repayment in accordance with the terms of the issuance. In limited instances, Fitch may well include things like extra considerations (i.e., price to a greater or reduce common than that implied in the obligation’s documentation). Please see the section Particular Limitations Relating to Credit Rating Scales for details.
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Credit reporting (or credit score) – is a subset of credit rating – it is a numeric evaluation of an individual's credit worthiness, which is accomplished by a credit bureau or consumer credit reporting agency. You might be in a position to point to a particular occasion that leads to a score modify. For example, a late payment or new collection account will likely lower your credit score. Conversely, paying down a high credit card balance and lowering your utilization price may well increase your score. For example, the distinction involving taking out a 30-year, fixed-price $250,000 mortgage with a 620 FICO® Score and a 670 FICO® Score could be $161 a month.
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