FFS Mortgage

Good Credit

If you're here you must have some credit questions. Right? Okay then, let's get started. There are many things that affect your credit. These include: recent inquiries, high credit, amount of credit, number of credit references, and of course payment information. All of these items plus how long at present address and how long at present work place effect the most important part of your credit, "The Credit Score" (maybe called the FICO Score or a Beacon Score). The FICO or Beacon Score is looked at first. This score is derived from all the variables above and gives you an overall score which lenders and creditors base their decisions on. The score you hope to obtain is 620 or higher. If you have a 620 or higher score you are in the "Good Credit" column and you will have an easier time getting the financing that you want.

If you have questions or concerns about your credit give us a call. Our Loan Consultants will be happy to assist you with your credit questions. Also, if you would like more credit info on-line check-out the bad credit area of this site to get helpful hints on how to keep good credit or how to improve existing bad credit.

As always we welcome you to phone us with any questions or comments that you may have and if you're in the area please stop by and say "Hi".

First Financial Services, Inc.
130 Scruggs Road, Suite 203
Moneta, VA 24121
Phone: (540) 721-0010 or Fax: (540) 721-0285
Toll Free: (800) 804-0808