# What Are Similar Figures In Math latest 2023

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## Your Good Credit Can Put \$1000s In Your Pocket Each Year

Remember when you were in school?

The goodies-goodies won all the favors of the teachers, they were talked about all the time and they were held up as an example until they turned red in the face. Nobody talked about the bad guys or the mediocre ones. They were just left out like garbage.

Well, something similar happens in real life, you know? Maybe not so “dramatic”, but just as painful for the soul as for the material side. Our credit ratings tell everyone how good or bad, reliable and trustworthy we are. And that, I hate to say, is in the public domain! Everybody in the whole fucking country knows who we paid and who we didn’t pay.

Hey, let’s play good guy for a change

Now let’s see what it’s like to be on the right side of the border. No one will talk about you if you have good credit…it doesn’t have to be. It sticks out like a sore thumb, that’s why! As soon as you walk into a bank or lender to apply for a loan or line of credit, you start to feel the difference. Your credit report brings a smile to the loan officer’s face.

A typical case

You need a loan of, say, \$20,000 for a car. Knowing your credit rating, you probably want to take advantage of it, right? Thus, you will find it difficult to convince the loan officer and, on the other hand, you will feel safe to negotiate from a better point of view. If you don’t get what you want, you go to another lender and keep going until you get at least 2 interest points below the first offer.

Do the math

You start to realize how much you’re saving and, well, \$400 isn’t a bad amount, is it? Now, let’s change the example and suppose you want a mortgage to move into a new house. The house costs, say, \$300,000 just to be on the conservative side. We will repeat the process but this time we will put more realistic numbers.

The normal rate for good credit would be something like 5% to 6%, but let’s be careful and say 6%. For bad credit, the rates are around 7-8%, leaving a difference of 1%. And I’m generous on both sides. In real life, on average, the difference could be more like 2 to 2.5%. I just want to show you that the 1% difference on your loan is… \$3,000 a year. Do you understand ?

And what about all the other interest you pay?

You get low-interest credit cards, special offers you only get if your credit is good, consumer credit, a car loan…all because your credit rating is good. Do you have any idea how you would save on all of this if you had good credit? So if your credit isn’t perfect, you better start fixing it now. It’s still early in the year and you could start enjoying it right away!

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