Common Sense Blogger

Written by Common Sense Blogger- small business entrepreneur- information and knowledge broker- critic of all things stupid- motto: "blogging about the business of life"- I teach people how to make money online - wanna learn?

What? A Credit Score of 760 is the new 680?

That's what's the word on the street per Bankrate.com. Can you believe it?

Banks Win Middle Class Takes Hit AGAIN full article here about this:

A Credit Score of 760 is the new 680

Highlights from this article:

"Three yeas ago, a creditworthy borrower was someone with a 680 to 700 score. Now, to get the best rates, that score needs to be 760 and up," says Greg McBride, senior financial analyst at Bankrate.com.

What's in the Mix

"how an agency determines your score:

• Payment history and bankruptcy 31%
• Credit card debt 30%
• Length of credit history 15%
• Type and number of credit cards 14%
• Credit card applications, inquiries 10%

...You can improve your score and make it easier to get credit by following these six strategies:

1. Review your credit report. One of the biggest factors swaying your credit score could be a mistake on your credit report...

2. ...Stabilize your credit...stop applying for credit cards you don't need...

3. ...Use the credit you have..paying balances and making payments on time...

4. ...Get a handle on your bills....

* Never miss a payment or due date
* Trim your credit card
* Always pay at least the minimum amount due, preferably more

5. Don't co-sign for a credit card or other consumer loan

6. Save. To get the best loan for a house or car, you'll probably need sizable savings...

Again, Read the full article at:

A Credit Score of 760 is the new 680

Written by Common Sense Blogger- small business entrepreneur- information and knowledge broker- critic of all things stupid- motto: "blogging about the business of life"- I teach people how to make money online - wanna learn?

This Seems Like Common Sense About Happiness - But It's Not

You won't find happiness on the outside. You can only find it on the inside.

If you depend on the external things or even people in your life to make you happy, then eventually you will NOT be happy. If your happiness does not start and stem from the INSIDE as the root of your happiness, then NOTHING external will make you happy.

This is true regardless of how much money, how nice of a house, how nice of a car, how many vacations, how many drinks, how many children or how many adventures or other things you have or do.

Be Happy On The Inside

Be happy on the inside and all the things on the outside become magnified byproducts of your happiness and will only enhance it. Seek happiness from the external things outside of yourself and you will always be disappointed, whether now or later. It's SUCH COMMON SENSE!

Happiness Written by Common Sense Blogger- small business entrepreneur- information and knowledge broker- critic of all things stupid- motto: "blogging about the business of life"- I teach people how to make money online - wanna learn?