Christine Beardslee

Loan Originator/Reverse Mortgage Specialist


Your credit scores usually determine the price you pay for your money (your mortgages, your auto loans and leases, your credit cards, business loans, etc.). Perhaps the most significant part of your credit report is your credit score. Credit scores range from 350 to 850, with 850 being the best possible credit score that you could receive, and 350 being the worst possible credit score. There are five factors that determine your credit score:

  • Your Payment History
  • The Balance You Owe vs. Your Available Credit Lines
  • Your Credit History (how long your accounts have been opened)
  • Type of Credit that you have open
  • Number of Recent Inquiries made by creditors