Is 582 a bad credit score

582 Credit Score – What It Means & How to Improve It? 582 FICO Score Explained

Y our credit score is one of the most important determining factors for your future. It could be the one thing that determines whether you are able to get a loan for a new home or keep renting. It can impact how high the interest rates on your car, home, and student loans are. The better your credit score is, the less you’ll have to pay for borrowing money.

And even more importantly, your 582 credit score is one of the biggest indicators of your fiscal responsibility, that’s why it’s very important to understand is it “good” or “bad“. Anytime you apply for a new loan or credit card, someone will be looking over your credit report. And you’ll even find that future landlords and employers will consider your credit before making their decision. The lower your credit score is, the bigger your risk of having to make a large deposit before getting a new lease or opening a new account. Your credit score could even result in lost job opportunities.

Is 582 credit score good or bad score?

A credit score under 582 is considered a poor score. While people with this credit score won’t have as much trouble getting loans as those with lower scores, they will face higher interest rates. Because they are likely considered subprime borrowers, they’ll be offered higher interest rates and worse terms for all credit cards and loans.

Credit cards for credit score under 582 – APR & Annual Fees

A credit score in this range is just short of an average score. You’ll have trouble obtaining credit cards, but there are certainly options. The interest rates you receive will be significantly below average, but you’ll be able to receive both secure and unsecured credit card with FICO score 582.

What are Car loan interest rates for credit scores lower than 582

Whether you’re in the market for a new or used car, you can expect an interest rate anywhere between ten and twenty percent if your credit scores falls in this range. Even though your score is slightly below average, lenders will still few you preferably compared to those with lesser scores. While your interest rates will be slightly above average, they will certainly be manageable, and, having 582 FICO score, you will likely have no problems finding a loan.

Getting Personal loans with credit scores under 582

While this credit score range isn’t the lowest on the totem pole, it is still below average. While you should be able to secure a personal loan, your interest rates and terms will definitely be less than favorable. Interest rates will often vary anywhere from sixteen to eighteen percent, with most leaning towards the higher end of that range. If you’d like to secure a lower rate, a cosigner is a good option while you work to build your credit.

Getting Mortgages with 582 credit score

Just like with personal loans, a credit score between 550 and 649 will provide you with sub-par rates and terms. In fact, with a score below 582, you may not even qualify for mortgages with many lenders. You should anticipate interest rates ranging from five to six percent.

Considering these things, your credit score is one of the most important numbers in your life. It can affect every action you take, from the house you live in to the car you drive. Taking steps to improve your 582 credit score is the best way to save money and make your life easier down the road. There’s no excuse to not improve your credit score!

How is a 582 credit score calculated?

The three major credit bureaus rely on five types of information to calculate your credit score. They collect this information from a variety of sources, and compile it to give you an overall score. The score is comprised of 35% payment history, 30% amount owed, 15% credit history, 10% new credit, and 10% credit diversity.

Your payment history is the key factor that helps to determine your credit score. In the simplest terms, your payment history is based on how often you pay at least the minimum payment on your bills on time. However, some of the other factors aren’t so simple. The second most important factor is the amount you owe, which is based on the amount of credit you have available compared to the amount of debt you have. This is called your credit utilization ration, and it matters because lenders believe you are more likely to miss payments if your credit cards are maxed out.

The third factor in play is your length of credit history, which assesses the average age of your accounts and how long it’s been since those accounts were actually used. The last two, smallest factors are how often you apply for new accounts and how diverse your credit portfolio is. In other words, opening multiple accounts at a time hurts your score, while having different types of accounts improves it.

5 Steps to Improve Your 582 Credit Score

  • Keep your credit card balances low. The amount of money you owe versus the amount of credit you have impacts your credit rating. The lower your balances are, the higher your score will be. Ideally, your cards should never have more than thirty percent of their available credit line charged. Consolidating your credit card debt via a personal loan could be a great solution to a low credit score. In addition, paying your balance in full every month may not make a difference—some credit bureaus consider the amount on your statement rather than the amount after your payment.

Improving your 582 credit score can take a lot of work, but following these steps can make all the difference. It will take time, but you can see your credit score go up within a year, which could save you countless amounts on interest rates. Dedicating the effort to improving your credit is worth the investment.

The Different Types of Credit Scores

The three main credit bureaus are Equifax, Experian, and TransUnion. Each bureau gives you a score, and these three scores combine to create both your 582 FICO Credit Score and your VantageScore. Your score will differ slightly among each bureau for a variety of reasons, including their specific scoring models and how often they access your financial data. Keeping track of all five of these scores on a regular basis is the best way to ensure that your credit score is an accurate reflection of your financial situation.

What Is a Bad Credit Score (FICO Score)?

There is a lot of discussion about credit reports and ratings, but exactly what is a bad credit score? Why do some people constantly get turned down for loans while others, who don't have any more money, are instantly approved with no trouble?

Credit ratings are an important part of everybody's life these days. Even if you don't want a loan, your credit score can affect your application for credit cards, apartment leases, and even some jobs. It can also affect anything that involves you committing to monthly payments - auto financing, some insurance schemes, even having a phone hooked up in your house.

FICO or Fair Isaac Corporation is the best known credit score calculator in the USA. The exact mathematical formula or algorithm of the FICO credit calculation is very complex, but it is based on all the financial information they can get about you. This includes your credit history, loan and mortgage applications, missed payments if any, and many other details.

Some lending companies will use the FICO score directly to estimate whether a person is likely to be able to pay any financial commitments that they are applying for. Other companies are members of a credit bureau who supply them with credit rating information on applicants.

The three credit bureaus in the USA each have their own way of calculating a credit score but they are based on the FICO score. An individual's score is updated regularly. If you have a very good score, you will most likely be approved for low interest loans and credit cards.

The range of FICO scores is from 300 to 850. The higher you score, the better.

Around 725 or higher would be a very good score. With a score like that you have a good chance of getting approved for the apartment, car loan or mortgage that you want to apply for, and you will be able to get low interest rates in most cases.

Between 580 and 725 you will still have no trouble getting the finance that you need but the interest rates are likely to increase as you reach the lower part of that scale.

Below 580 is a bad credit score, and below 500 is real bad. The lower you go here, the more trouble you will have finding credit, and the more interest you will have to pay. It doesn't seem fair that the worse off you are, the more they make you pay, right? But it's because you are seen as a bad risk. Your interest rates reflect the costs they think they might have getting the money back from you if you don't pay it.

If you have a bad credit score you need to know that before you start looking for loans. It is best to know your exact score and be upfront with it when you call any kind of loan company. That way if they are going to turn you down, you know right away without wasting any more time - and without having rejected applications appearing on your credit report, pushing your score even lower.

Knowing your own personal credit rating will help to get you the best credit deals available to you, now that you know what is a bad credit score and what is a good credit score.

A bad credit score means that when your credit file is evaluated, you are deemed to be a risk when borrowing money. If you have a low credit score lenders and providers may think there is a high chance you won't pay back the money borrowed, or that they simply don't know whether you are likely to repay on time and in full. For more information on how your credit score is determined, read our guide on Understanding Your Credit Score.

Credit scores are based on your previous lending and therefore a bad credit, low credit score, or no credit footprint can simply be there because you haven't borrowed money in the past or had a contractual agreement of any sort, whether it’s for a credit card, loan or mobile phone contract.

If you currently have a poor credit score, there are things you can do to improve it and ways that you can still borrow money.

Read on for more information on bad credit scores from the Money Guru.

Who decides if I have a bad credit score?

There isn’t a single person or entity that decides if you have a bad credit score. Credit scores are very changeable. They are affected by previous borrowing history and are there to establish how "creditworthy9quot; you are.

For example, an attempt to get credit will remain on your credit score for twelve months. A missed payment could remain on your credit score for up to seven years and bankruptcy could be on there for ten years.

If you have no previous borrowing experience – say you're at the beginning of your adult life and you would like to move out of your parents’ home and buy your own house – this can also work against you. With no previous record of the way you behave with borrowed money, you are an unknown entity to lenders.

What effect will a bad credit score have on me?

The single biggest effect of a bad credit score, is an inability to obtain credit.

Whether you need a loan for home improvements, you want to take out your first mortgage or perhaps you want to make a purchase on credit such as furniture or a car, they will all be affected by a poor credit record.

When in this situation, it can feel impossible to improve your credit score.

How can I improve my credit score?

You can improve your credit score but how you do it will differ slightly depending on your situation – whether you have no credit history or a poor credit history.

If you have no credit history, you can start borrowing by:

Getting a credit improving credit card

This will normally have a lower balance and higher interest rates. However, by making smaller purchases and paying off in full, you will begin to build a better credit rating. Just remember, never take out cash on a credit card as you will most likely be charged and always pay in full at the end of each month.

A guarantor loan is where someone vouches for your reliability and promises that if you can't make repayments, they will cover the cost of the loan. This is particularly useful for young people just beginning to build their credit score.

A good place to start could be making a purchase such as piece of technology or signing up for a monthly phone contract. These smaller, regular payments will prove you are reliable with your money and make it more likely that you will be able to access larger sums of credit later on.

If you have a poor credit history, you can:

A secure loan will offer the lender some security on their money. For example, if you didn't make the repayments they could repossess your car or home to make the repayments. While this sounds scary, lenders will do a full credit check on you before they lend you any money and they won’t accept your application if you are not financially able to afford payments each month.

A bad credit loan is simply a loan for those with bad credit. They can be personal loans, short or long term, secured or unsecured. They can be used for a number of reasons too, including emergency situations such as a broken down boiler or car repairs, or for non-emergencies, like home improvements.

Asking someone with a higher credit score to guarantee your loan, meaning that they will pay back the loan if you don't, is another way to access credit you wouldn’t otherwise be able to. You will need to ask someone you trust – and who trusts you – and these loans do tend to come with a higher interest rate. However, they're a good place to start when rebuilding a bad credit score.

Available to those on certain benefits and in cases of great need, these loans are provided by the government and are interest free . As they are only offered to those on certain types of benefits, it is best to contact the Job Centre Plus about these loans.

Credit building credit cards are a good way to start small. With a low balance and high-interest rates, it is best to borrow and pay in full each month to prove you can manage your money. Although not a solution to needing large amounts of credit, they are a great way to start building a higher credit score.

To find the right loan for you, even with a poor or no credit history, head to our moneymatcher now. There we compare the different loans available, which can help you start to build a better credit score for the future.

If you have really bad credit or really good credit, you probably already know it. But there's that vast middle area where your score is too low to get the best offers. If you want to get a new credit card, take out a loan at the car dealership, get a mortgage to buy a house or borrow money for some other purpose, the quality of your credit score makes a serious difference.

With a bad score, few banks will take a chance on you; those that do will offer you their highest rates. A bad credit score can also increase your insurance rates or cause insurers to reject you altogether, and it can stand between you and the apartment you want to rent. Negative items in your credit report can even hurt your ability to get certain jobs. Even a mediocre score will jack up rates compared to those offered to people with excellent credit.

Let’s take a look at what is considered a bad credit score, how you might have gotten there and what you can do to fix it.

A bad credit score is a FICO score in the range of 300 to 620. Some score charts subdivide that range, and call “bad credit” a score of 300 to 550 and “subprime credit” a score of 550 to 620. Regardless of labeling, you’ll have trouble getting a good interest rate or getting a loan at all with a credit score of 620 or lower. In contrast, an excellent credit score falls in the 740 to 850 range.

Credit Behaviors That Hurt Your Score

Borrowers with bad credit usually have one of more of the following negative items on their credit reports:

FICO credit scores are based on five broad categories of borrowing behavior, some of which affect your score more than others.

Your payment history counts for 35% of your score, so missing your payment due dates seriously hurts your score. Being 31 days late is not as bad as being 120 days late, however, and being late is not as bad as failing to pay for so long that your creditor sends your account to collections, charges off your debt or agrees to settle your debt for less than you owe.

How much you owe relative to how much credit you have available is another major factor, accounting for 30% of your score. Say you have three credit cards, each with a $5,000 credit limit, and you’ve maxed them all out. Your credit utilization ratio is 100%. The scoring formula looks most favorably on borrowers whose ratio is 20% or lower.

Less important is the length of your credit history, which counts for 15% of your score. You don’t have much control over this component. Either your credit history stretches back several years or it doesn’t.

The number of new credit accounts you have counts for 10% of your score, which means that applying for new loans to move your debt around might hurt your score. On the other hand, if moving your debt around means getting a lower interest rate that helps you get out of debt more easily, new credit could ultimately help your score. (To learn more, read 0% Balance Transfers: Who Really Benefits?)

Types of credit used counts for 10% of your score. If you have an auto loan, a mortgage and a credit card – three different types of credit – it can mean a better score than if you just have credit cards. Again, don’t worry about this one. Applying for different types of loans to try to improve your score will have little impact and gets you further into debt – not what you want when you have less than stellar credit. Focus on paying down your balances and making your payments on time. (For options to improve your credit score, read 7 Tips to Bounce Back from a Credit Score Disaster and 3 Easy Ways to Improve Your Credit Score.)

Information That Won’t Directly Hurt Your Score

You might be glad to know that the following things have no direct impact on your credit score:

– Your income. It doesn’t matter whether you make $12,000 or $120,000 per year, as long as you’re making your payments on time. Having a low income doesn’t have to mean having bad credit.

– Your address. Living in a bad neighborhood won’t give you a bad credit score, nor will living in a prestigious one give you a good score. If you own a home, its value doesn’t influence your score, either.

– Your participation in a credit counseling program. Signing up for help managing your bills neither hurts nor helps your score. It’s the specific steps you take under that program that will influence how you rate.

– Your race. Even if someone could easily guess your race based on your name, FICO doesn’t factor race into your credit score.

– Your marital status. Your credit report doesn’t state whether you’re married or divorced, nor does it factor this information into your score. Marriage might indirectly lead to a good credit score if having two incomes makes it easier to pay bills you were struggling with – or it might leave you with bad credit if you marry someone financially irresponsible. Divorce can indirectly hurt your credit score if it damages your finances, but again, marital status won’t affect your score directly.

–The interest rate on any of your loans or credit cards. Whether you’re paying the default rate of 29.99% or a promotional introductory rate of 0%, the scoring formula doesn’t care. (Read Understanding Credit Card Balance Transfers and Shuffle Away Your Debt With Balance Transfers to learn more.)

While not technically bad because it probably means you have no debt, having no credit history and no credit score can make it harder to rent an apartment, open a credit card account or get a loan. In many cases, you can get around your lack of a score by using alternative methods to prove your financial responsibility. For example, if you want to get a mortgage, you can submit a history of timely rent and utility payments with your mortgage application. (For more, see The Road to the Worst Credit Score Ever.)

Implications of a Bad Credit Score

If you’re able to get approved for new credit at all, having a bad credit score means you’ll pay significantly higher interest rates than someone with an excellent score. The consumer credit counseling agency Springboard reported that in January 2014, a consumer with a credit score of 300 to 550 could expect to pay 9.5% for a mortgage, 18.9% for an auto loan, and 28.9% for a credit card. Borrowers in the subprime category of 550 to 620 didn’t fare much better, except in credit card rates, where they might pay 19.8%. Meanwhile, a consumer with an excellent credit score of 740 to 850 could expect to pay 3.9% for a mortgage, 5.1% for an auto loan and 7.99% for a credit card.

The higher rates you’ll pay when you have bad credit mean higher monthly payments and much more money spent on interest in the long run. You can expect to pay higher premiums for auto and homeowners insurance, too. It’s hard to improve your finances under these circumstances. (For related reading, see Credit Cards for People with Bad Credit.)

Tips for Improving a Bad Credit Score

There are some extreme ways to try to raise your credit score, but not everyone can use them and they might even backfire. Here are some simple steps you can take that will almost certainly improve your score.

1. Make at least the minimum payment on time, every time, on every account. You may not have the cash to pay off your balances or even make a dent in them, but if you can at least make the minimum payment by the deadline each and every month, it will help your score.

2. Try to fix significant credit report errors. If there are negative items on any of your three major credit reports, follow the credit bureau’s steps to try to get those items removed. This process can be frustrating and even futile, as Kiplinger writer Jessica Anderson found when she went through the process, but it’s worth trying to clear up any mistakes.

3. Talk to your creditors. If you’re having trouble repaying your debts, see if you can work out a more favorable arrangement with any of your credit card companies or lenders. Make sure you get any agreement in writing. Be aware that some arrangements can hurt your score, though. Getting your credit card payment due date changed to five days after you get your paycheck, for example, will not hurt your score, but getting your creditor to reduce your loan balance will. (To learn more, read Will a debt settlement program affect my credit score?)

You’ll probably want to track your credit score to see whether your efforts are making a difference. To stay on top of changes in your credit score, consider using one of these top websites for checking your credit scores. You don’t need to sign up for a paid credit monitoring service or pay for your score. Just make sure you understand the limitations of free credit scores.

The end game is not really about improving a three-digit number, but about correcting the problems that got you into a difficult financial situation. It’s about taking action to give yourself more options and more peace of mind when it comes to your personal finances and your life. In the long run, it’s not having a 740 credit score, but being out of debt and having money in the bank that will allow you to achieve these goals.

582 Credit Score - Good or Bad? (2018 Update)

If you plan on applying for a new credit card or loan, there is one important piece of information that determines if your application is approved or denied:

So many people check their credit score, only to end up with a 3 digit number that they have no understanding of.

My goal here is to help you understand what your score means for you, how it's calculated, and if it needs some improvement.

582 Credit Score - Is it Good or Bad?

Any credit score in the 550-649 range is generally considered “Poor”.

  • Excellent Credit: 750 - 850
  • Good Credit: 700 - 749
  • Fair Credit: 650 - 699
  • Poor Credit: 550 - 649← You Are Here
  • Very Poor: 549 and below

A "Poor" credit score is typically considered high risk, or "subprime". Without a co-signer, it will likely be difficult to obtain a loan or credit line. You may be able to obtain credit, but the rates will likely be much higher when compared to someone with a "Good" credit score (above 700).

Any score below 700 could use some improvement. If you want some of the best rates and terms lenders have to offer, you need to work on raising your credit score to at least 725, which is well within the “good” range.

You Probably Got a "FAKE" Credit Score

Did you know that 90% of top lenders use your FICO® Scores to determine loan interest rates, terms & approvals?

Yet most credit monitoring services (including Credit Karma) give you what's called a VantageScore ("FAKO" Score), not your true FICO Score.

Having said that, I highly recommend getting All 3 FICO® Credit Scores from my favorite credit monitoring service: Experian IdentityWorks.

With IdentityWorks Premium, you will have your actual FICO® Scores.

That includes 3 FICO® credit scores, 3 credit reports, 3-Bureau credit monitoring with daily FICO® Score updates (Experian), & top notch Identity Theft Protection.

How Does a 582 Credit Score Rate?

Most credit scores including FICO and VantageScore range from 300-850, the higher the better. Within that range, there are different categories, ranging from bad to excellent. Here's a general idea of the ranges and their "ratings". Your range will be indicated below.

Credit Cards with a 582 Credit Score

You should be able to get a credit card with almost any credit score.

The question is: what type of card will you qualify for?

With Poor Credit: You can still get a credit card. However, you may be limited to a secured credit card that requires a security deposit.

This deposit is often equal to or greater than the amount you can charge, and the credit-card company can take your deposit if you don’t pay your bill. If you do qualify for an unsecured card that doesn’t require a deposit, your credit limit will probably be very low.

Here's a screenshot from NerdWallet's Best Credit Cards For Bad (Poor) Credit:

It's likely you will be eligible for decent credit cards with a 582 credit score.

They will most likely need to be secured credit cards which typically have a very low spending limit, and a deposit is required.

Auto Loans with a 582 Credit Score

Looking for an auto loan with a 582 credit score?

Many of those with a credit score above 500, can get an auto loan.

The question is: How high is the interest rate going to be?

According to the MyFICO Loan Savings Calculator, with a 582 credit score, your auto loan interest rate should be in the 8-13% range.

It's likely you will be eligible for an auto loan with a 582 credit score.

Your interest rate will be much higher than someone with a score of 720+.

As you can see in the image above, a 8-13% interest rate vs. 3-4%, will cost you a lot more over the life of the loan.

Mortgages (Home Loans) with a 582 Credit Score

Looking for a Mortgage (home loan) with a 582 credit score?

If your credit score is at least 580, it's likely that you will be approved for some type of mortgage.

If your score is below 580, but above 500, it's possible you may be able to get an FHA loan.

This infographic from from TheMortgageReports sums it up pretty well:

The MyFICO Loan Savings Calculator does a great job illustrating how your credit score can impact the interest you pay on a loan.

The difference in interest paid is astonishing for a poor score vs an excellent score!

It's likely you will be eligible for a mortgage (home loan) with a 582 credit score.

Your interest rate will be higher than someone with a score of 720+.

Bottom Line: You Will Pay More in Interest

Higher interest, higher interest. Do I sound like a broken record yet?

The fact is, if you are applying for any type of credit or loan, having a score below 720 will cost you big money in interest.

With a fair credit score, you are probably not going to be offered the best interest rates on credit cards and loans.

The good news is you aren't far away from the "Good Credit Score" threshold, which starts at 700.

If you work on boosting your credit score to 700+, you will be offered much more attractive interest rates and loan terms.

What does "Poor Credit" mean to you?

Consumers with credit scores below 650 are generally considered high risk borrowers - subprime in other words. A score in this range makes it difficult to get approved for low interest loans or low cost insurance. Bottom line - without a co-signer, many lenders could deny your credit application based on your score.

New credit accounts such as auto loans or mortgages are still available to you, but you will probably end up with much higher interest rates on these loans with a "Poor" credit score than if you had a "Good" score.

Don't worry though, with some time and effort you can improve your credit score. If you could raise your score to 700+ points, your credit could then be labeled as "Good" which would enable you to obtain much more attractive loan and credit card offers, which could save you thousands of dollars in interest.

If your score is low due to a very short credit history, you may need a co-signer if you're looking to obtain a loan. Once you have a good payment history on your credit report (on time, every month) for at least a couple years, you will be well on the path to "Good" credit. Responsible credit card management will be a huge help as well.

If your Poor credit is a result of too much credit card debt, then it's up to you to remedy the situation. Ideally you want to keep your credit card debt below 25% of your total credit line.

How Is A Credit Score Calculated?

While exact details of how your 582 credit score was calculated is an industry secret, we do know that credit scores are formulated using many different pieces of data from your credit report. This data is grouped into five categories as shown below. The percentage to the right of each one indicates how important it is in determining your credit score.

  1. Payment History - 35% - This is typically the first thing a potential lender will want to know. Have you paid your past accounts on time? Have you missed any payments?
  2. Total Amounts Owed - 30% - How much you owe on each of your credit accounts. Higher amounts does not necessarily mean you are high risk, other factors are considered as well.
  3. Length of Credit History - 15% - Generally a longer credit history will yield higher credit scores. But that's not always the case, it also depends on how often you use your credit, and how responsibly you manage your debt.
  4. Types of Credit in Use - 10% - Credit score providers will consider the mix of credit accounts you have, such as credit cards, retail accounts, auto loans, mortgages etc.
  5. New Credit - 10% - Lenders want to know if you've recently been applying for many credit accounts in a short period of time. That can often represent a greater risk to the lender.

Different Credit Score Range Scales

There are many credit scores available to lenders, most use FICO scores, but even those can vary in how they are calculated depending on the version being used. Lenders can also create their own credit score ranges, or use industry specific credit scoring models such as those geared towards mortgages or auto loans.

Here's a quick look at the various credit scoring models and the range they use:

  • FICO Score: 300-850
  • VantageScore 3.0: 300–850
  • VantageScore (versions 1.0 and 2.0): 501–990
  • PLUS Score: 330-830
  • TransRisk Score: 100-900
  • Equifax Credit Score: 280–850

As you can see, having a 582 TransRisk score isn't nearly the same as a 582 FICO score. For that reason, it's also important to know which scoring model is being used to determine how "good" or "bad" your credit really is.

Some of the questions you probably have are: Is 582 a good FICO Score? Is 582 a bad FICO Credit Score? Is a FICO Score of 582 good or bad? What does a FICO Score of 582 mean? What does a 582 FICO Score mean?

Knowledge Is Power - Especially With Your Credit

Did you know if you've received just 1 credit score of 695, you've only seen 16% of your credit data!

You actually have 3 credit scores based on 3 different credit reports. That's 6 different items which are very important for you to have.

Not having access to 100% of your credit data leaves you vulnerable to credit reporting errors, credit fraud, and identity theft.

Make sure you have access to all of your credit scores and reports, I recommend my favorite premium service: IdentityWorks. With IdentityWorks, you get all 3 credit scores & reports, and daily monitoring of your 3 credit reports, with alerts of key changes to your credit files.



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