Bad credit cost Aaron $65,000. But could it happen to you?
Here’s the ugly truth; having bad credit is one of the most costly financial mistakes you can make.
Things like homes, cars, and even student loans become exponentially more expensive when your credit score is less than ideal, and impossible to finance when you have bad credit.
Let’s use two people, Christina and Aaron, with two very different credit situations to show you what I mean.
Christina and Aaron have never met each other but they will soon. That’s because they are both about to buy homes in one of the hottest neighborhoods in the city. One right next to the other, each with the exact same layout and design.
The homes are brand new and, for the sake of argument, let’s assume they cost $250,000 each. The price is not negotiable.
Like most people, neither Aaron nor Christina has $250,000 in cash lying around so they each go to the bank and apply for a mortgage. Both plan to put down 20% ($50,000) and finance the remaining $200,000 over 30 years.
Christina is thrilled to learn that she has a credit score of 765, which is considered “excellent” by most lenders. Her high credit score allows her to qualify for an interest rate of 3.298%*, the best rate offered by the bank on any mortgage.
Aaron, on the other hand, has a much less pleasant trip to the bank. He fell behind on his credit card bills in college and missed a few payments here and there, causing his credit score to come in at 625. He is still approved for a mortgage, but at a higher rate of 4.887%.
On the surface, the difference between Aaron’s and Christina’s interest rates seems somewhat insignificant. But the numbers tell an entirely different story.
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Sample as of May 2016 1
Christina’s 3.298% interest rate comes to a monthly payment of $876 while Aaron’s 4.887% requires $1,060 per month.
Meaning that Aaron is paying $184 more than Christina, every single month, for what is essentially the exact same house.
Over the course of 30 years that $184 per month adds up to an extra $66,307 in interest.
That’s more than the average American household makes each year, completely flushed down the drain, all thanks to a three digit number called a credit score2.
$66,307 can be a bit difficult to comprehend on the surface so let’s break it down in to something a bit more relatable.
With Christina’s extra $66,307 she could:
All because she made the right moves regarding her credit.
And of course, this effect is not limited to just mortgages. Continuing with our example, Aaron will also be paying more than Christina for his student loans, car loan, credit cards, personal loans, and any other forms of debt that he may have.
Although fictional, Aaron’s situation is not uncommon for many people. In fact, his 625 credit score is actually that of the average American3.
So how do you make sure you don’t fall in to the same trap? Who can you trust to point you in the right direction?
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I knew that if I could improve my score even by a modest amount it would save me thousands of dollars in the long run. Dollars I could spend on traveling, savings, and just enjoying my life.
And most importantly, it would provide peace of mind in knowing that I will never have to deal with credit issues ever again.
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