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Credit Qualifications for Customers

“What is the minimum credit score needed to get a LightStream loan?”

Remember, our definition of good to excellent goes beyond just a good FICO score. Given theunique nature of each individual’s credit profile, we believe there is no single definition for “good credit.”However, we find that individuals with good credit usually share the following characteristics: Pool Construction Financing in Mesa Pool Design in Phoenix Pool Construction Financing in Phoenix

A GOOD PAYMENT HISTORY

with few, if any, delinquencies or other problems repaying debt obligations.
SEVERAL YEARS

of credit history.
A CREDIT HISTORY WITH A VARIETY OF ACCOUNT TYPES

such as major credit cards (Visa, MasterCard, Amex), installment debt (vehicle loans) and mortgage debt if applicable.
AN ABILITY TO SAVE,

as evidenced by some or all of the following: liquid assets (stocks, bonds, bank deposits, etc.); cash down payments on real estate; retirement savings; and manageable revolving credit card debt.
STABLE AND SUFFICIENT INCOME AND ASSETS

to repay current debt obligations and any new loan with LightStream.

Finally, it should be noted again that each individual profile is different and that we make our credit decision based on the specific facts of that profile. Ultimately our determination of good credit is based on whether we conclude that there is a high likelihood that our loan will be repaid in a full and timely manner.

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