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Achieving a good credit score can help you qualify for a credit card or loan with a lower interest rate and better terms. That said, different lenders use their own criteria for deciding whom to lend to and at what rates. Here's more on what qualifies as a good credit score, what impacts your credit and how to improve your credit score.

The minimum credit score needed to buy a house can range from 500 to 700, but will ultimately depend on the type of mortgage loan you're applying for and your lender. Most lenders require a minimum credit score of 620 to buy a house with a conventional mortgage. Other types of mortgages have different credit score requirements:

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Remember that your credit score plays a role in determining the interest rate and payment terms on a mortgage loan. Lenders base the interest they charge on how risky they view you as a borrower. So while it may be possible to get a mortgage with bad credit, you're typically better off improving your score before you apply for a mortgage to qualify for good terms.

While there isn't a set minimum credit score to buy a car, you should aim to have a score of 670 or higher, which puts you in the good credit range. You'll qualify for better auto loan terms with a higher credit score.

Auto lenders view low credit as a sign of risk, so an applicant with poor or fair credit will pay more in interest to borrow a car loan. If your FICO Score is below 670, aim to build credit before you buy a car. Reaching the "good" credit score range may help you qualify for lower interest and better terms.

FICO uses percentages to represent generally how important each category is, though the exact percentage breakdown used to determine your credit score will depend on your unique credit report. FICO considers scoring factors in the following order:

VantageScore lists the factors by how influential they generally are in determining a credit score, but this will also depend on your unique credit report. VantageScore considers factors in the following order:

FICO industry-specific scores are built on top of a base FICO Score, and FICO periodically releases new suites of scores. The FICO Score 10 Suite, for instance, was announced in early 2020. It includes a base FICO Score 10, a FICO Score 10 T (which includes trended data) and new industry-specific scores. Mortgage lenders who work with government-backed mortgage companies Fannie Mae and Freddie Mac will be required to use FICO 10 T and VantageScore 4.0 credit scores in evaluating borrower eligibility in the coming years.

There are scores used more rarely as well. For instance, FICO's UltraFICO Score allows consumers to link checking, savings or money market accounts and considers banking activity. Lenders may also create custom credit scoring models designed with their target customers in mind.

As a result, the same factors can impact all your credit scores. If you monitor multiple credit scores, you could find that your scores vary depending on the scoring model and which one of your credit reports it analyzes. But, over time, you may see they all tend to rise and fall together.

For example, the difference between taking out a 30-year, fixed-rate $250,000 mortgage with a 620 FICO Score and a 670 FICO Score could be $161 a month. That's extra money you could be putting toward your savings or other financial goals. Over the lifetime of the loan, having the better score would save you $57,842 in interest payments. Learn more about what credit score you need to buy a house.

Your credit reports can also impact you in other ways. Some employers may review your credit reports (but not your credit scores) before making a hiring or promotion decision. And, in most states, insurance companies may use credit-based insurance scores to help determine your premiums for auto, home and life insurance.

Checking your credit scores might also give you insight into what you can do to improve them. For example, when you check your FICO Score 8 from Experian for free, you can also look to see how you're doing with each of the credit score categories.

If you aren't scoreable, you may need to open a new account or add new activity to your credit report to start building credit. Often this means starting with a credit-builder loan or secured credit card, or becoming an authorized user.

You can also use Experian Boost to get credit for certain qualifying bills, such as utility bills, streaming subscriptions, eligible rent payments and more. This can help you build a positive payment history using regular monthly bills, which can instantly increase your score.

You may be able to point to a specific event that leads to a score change. For example, a late payment or new collection account will likely lower your credit score. Conversely, paying down a high credit card balance and lowering your utilization rate may increase your score.

But some actions might have an impact on your credit scores that you didn't expect. Paying off a loan, for example, might lead to a drop in your scores, even though it's a positive action in terms of responsible money management. This could be because it was the only open installment account you had on your credit report or the only loan with a low balance. After paying off the loan, you may be left without a mix of open installment and revolving accounts, or with only high-balance loans.

Perhaps you decide to stop using your credit cards after paying off the balances. Avoiding debt is a good idea, but lack of activity in your accounts could lead to a lower score. You may want to use a card for a small monthly subscription and then pay off the balance in full each month to maintain your account's activity and build its on-time payment history.

Degarege A, Legesse M, Medhin G, Teklehaymanot T, Erko B (2014) Day-to-day fluctuation of point-of-care circulating cathodic antigen test scores and faecal egg counts in children infected with Schistosoma mansoni in Ethiopia. BMC Infect Dis 14: 210. -2334-14-210

Film scores encompass an enormous variety of styles of music, depending on the nature of the films they accompany. While the majority of scores are orchestral works rooted in Western classical music, many scores are also influenced by jazz, rock, pop, blues, new-age and ambient music, and a wide range of ethnic and world music styles. Since the 1950s, a growing number of scores have also included electronic elements as part of the score, and many scores written today feature a hybrid of orchestral and electronic instruments.[2]

Since the invention of digital technology and audio sampling, many modern films have been able to rely on digital samples to imitate the sound of acoustic instruments, and many scores are created and performed wholly by the composers themselves, by using music composition software, synthesizers, samplers, and MIDI controllers.

Songs such as pop songs and rock songs are usually not considered part of the film's score,[3] although songs do also form part of the film's soundtrack.[4] Although some songs, especially in musicals, are based on thematic ideas from the score (or vice versa), scores usually do not have lyrics, except for when sung by choirs or soloists as part of a cue. Similarly, pop songs that are dropped into a specific scene in a film for emphasis or as diegetic music (e.g., a song playing on a character's car radio), are not considered part of the score, although the score's composer will occasionally write an original pop song based on their themes, such as James Horner's "My Heart Will Go On" from Titanic, written for Celine Dion.

Occasionally, a filmmaker will actually edit their film to fit the flow of music, rather than have the composer edit their score to the final cut. Director Godfrey Reggio edited his films Koyaanisqatsi and Powaqqatsi based on composer Philip Glass's music.[7] Similarly, the relationship between director Sergio Leone and composer Ennio Morricone was such that the finale of The Good, the Bad and the Ugly and the films Once Upon a Time in the West and Once Upon a Time in America were edited to Morricone's score as the composer had prepared it months before the film's production ended.[8]

In some circumstances, a composer will be asked to write music based on their impressions of the script or storyboards without seeing the film itself and has more freedom to create music without the need to adhere to specific cue lengths or mirror the emotional arc of a particular scene. This approach is usually taken by a director who does not wish to have the music comment specifically on a particular scene or nuance of a film and which can instead be inserted into the film at any point the director wishes during the post-production process. Composer Hans Zimmer was asked to write music in this way in 2010 for director Christopher Nolan's film Inception;[9] composer Gustavo Santaolalla did the same thing when he wrote his Oscar-winning score for Brokeback Mountain.[10]

When writing music for film, one goal is to sync dramatic events happening on screen with musical events in the score. There are many different methods for syncing music to picture. These include using sequencing software to calculate timings, using mathematic formulas and free timing with reference timings. Composers work using SMPTE timecode for syncing purposes.[11]

Once the spotting session has been completed and the precise timings of each cue determined, the composer will then work on writing the score. The methods of writing the score vary from composer to composer; some composers prefer to work with a traditional pencil and paper, writing notes by hand on a staff and performing works-in-progress for the director on a piano, while other composers write on computers using sophisticated music composition software such as Digital Performer, Logic Pro, Finale, Cubase, or Pro Tools.[12] Working with software allows composers to create MIDI-based demos of cues, called MIDI mockups, for review by the filmmaker prior to the final orchestral recording. e24fc04721