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Fair Isaac Corporation is the creator of the FICO credit score that is used today by most lenders to evaluate consumer credit risk. FICO scores range from a poor credit low of 500 to a best credit rating of 850.

The higher the FICO score the lower the interest rates offered by most lenders. For example here is a look at how FICO scores might affect a $150 Cheap Mens Nike Shoes ,000 30-year, fixed rate loan:

Score Interest Payment

720-850 5.64% $865

700-719 5.77% $877

675-699 6.30% $929

620-674 7.45% $1,044

560-619 8.53% $1,157

500-559 9.29% $1,238

Rates change frequently Cheap Nike Shoes , but you can check the daily average at .

Fair Isaac has extended its FICO score to cover an expanded population base. This expanded FICO coverage will tap into non-traditional sources of consumer data to assess the credit risk of adults who have minimal or no credit history on file - such as recent immigrants, people with low incomes, recent widows and divorcees, and young people.

The company has tapped into non conventional ways of establishing credit scores. People pay rent, they pay catalog companies when they order something Wholesale Nike Shoes Online , they pay back payday loans -- there are various ways people show financial responsibility and Fair Isaac will now be gathering that information to help determine FICO scores.

An estimated 160 million Americans have documented credit histories adequate for calculating classic FICO credit scores. An estimated 50 million consumers do not. Now that will change.

For real estate investors and landlords this means that we should be able to find a few more credit worthy buyers and renters than in the past.

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About The Author
Mark Walters is an investor and author. You can find his published material at In the quest to look truly unique and to develop a dazzling personal style, people are straying away from conventional gems like diamonds, rubies and emeralds and are looking to gemstones like Opal. Opal is basically made of silica and each crystal is completely unique and the crystal structure allows Opals to give off a variety of colors. Unlike many other precious gems, colorful opals are much more prized than solid-colored white ones and most of the opal in the world comes from Australia.

They are not only colorful, but they also tend to glow even in very low light making them extremely interesting and attention grabbing. The vivid hues of opals make them perfect show-stopping jewelry pieces. The colors of an opal can range from rose Wholesale Nike Basketball Shoes , magenta, green, brown, and blue, to red Wholesale Nike Running Shoes , orange and even black. Most importantly, a single opal gemstone can have all these colors at once making them truly striking. Imagine a deep blue opal with bright green specs embedded in a pure silver ring! No other gemstone can offer such an effect.


Truly dazzling gems


The more colorful an opal is and the more the colors dazzle, the more precious it is. Some of the best and most coveted opals in the world display almost all the colors in the visible spectrum. Moreover, as the opals move and change positions relative to the light source, they display different colors and this dynamic effect is truly unique. The opalescence or the play of color observed even in ordinary opals is truly unique and beautiful. A single precious opal gemstone can have iridescent green Wholesale Womens Nike Shoes , blue, red, pink, grey, orange and even purple hues all together. Opaque white and green opals are the most common Wholesale Mens Nike Shoes , whereas red set against black opals are quite rare.




The vivid colors 鈥?such as red against black and green against blue 鈥?add so much drama that there is no need for other pieces of jewelry. One show-stopping and eye-catching opal jewelry piece is enough to make a simple dress look fit for a grand event. Triple opals are opal gemstones with a clear layer of quartz on the top that is polished to a high shine. This makes the colors of the opal beneath to pop and the makes the whole gemstone dazzle. Such triple opals in large sizes are truly spectacular and make for excellent statement pieces of jewelry.

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