Score	Rating	Rate	Terms	Down Payment
< 500	Very Poor	Very High	High Fees	30% +
500-559	Poor	High	High Fees	0 - 10%
560-619	Marginal	Above Market	High Fees	0 - 10%
620-679	Good / Average	Market	Average Fees	0%
680-719	Very Good	Market	Average Fees	0%
720 +	Excellent	Best	Low Fees	0%
Please note that this is a generalization and your personal siutation may differ.

Don't Let Errors Affect Your Credit Score

Studies focused on consumers at risk for misclassification into the subprime market due to inaccurate information being reported found 20.5% at risk. Risk customers are defined as either having a middle score between 575 and 630 with a score variance of greater than 30 points, or having a high score above 620 and a low score below 620. Based on an analysis of files, it’s estimated that 22% are likely being penalized with lower scores than deserved because of errors or inconsistencies in his or her credit report. The remaining 57.5% of at risk consumers have credit reports without errors clear enough to allow an outside observer to determine whether their credit scores are artificially low or artificially high. ScoreValidator helps identify this problem allowing an opportunity to get a corrected report.

Consumers may be harmed by both errors of commission and errors of omission. Errors of commission, inclusion of incorrect information, can lower a consumer’s score in situations such as when incorrect information or mixed files add the credit history of others to a consumer’s report. Errors of omission, incomplete reporting of information, can lower a consumer’s score when the record does not contain full and accurate information regarding existing accounts paid as agreed.

Conservatively, an estimated 40 million consumers (twenty percent of the 200 million with credit reports) are at risk of being misclassified into the subprime mortgage market, and at least 8 million (twenty percent of these at risk consumers) would be misclassified upon application, but the actual numbers are likely much higher. These numbers do not even attempt to quantify the number of consumers who are being overcharged because errors pushed them into a higher pricing range within the prime and subprime market.

HOME LOAN (30 Year Financing)

Status	APR	Payment	Costs
$100,000.00 Home Loan
Good	5.75%	$583.57	$110,085.20
Bad	8.75%	$786.70	$183,212.00
Poor	13.5%	$1145.41	$312,347.60
$150,000.00 Home Loan
Good	5.75%	$875.36	$165,129.60
Bad	8.75%	$1180.05	$274,818.00
Poor	13.5%	$1718.12	$468,523.20
$200,000.00 Home Loan
Good	5.75%	$1167.15	$220,174.00
Bad	8.75%	$1573.40	$366,424.00
Poor	13.5%	$2290.82	$624,695.20

AUTO LOAN (60 Month Financing)

Status	APR	Payment	Costs
$10,000.00 Auto Loan
Good	2.9%	$179.24	$754.40
Bad	10.0%	$212.47	$2748.20
Poor	23.0%	$281.90	$6914.00
$15,000.00 Auto Loan
Good	2.9%	$268.86	$1131.60
Bad	10.0%	$318.71	$4122.60
Poor	23.0%	$422.86	$10371.60
$20,000.00 Auto Loan
Good	2.9%	$358.49	$1509.40
Bad	10.0%	$424.94	$5496.40
Poor	23.0%	$563.81	$13828.60