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Why is credit scoring used?

Credit scoring is based on real data and statistics, so it usually is more reliable than subjective or judgmental methods. It treats all applicants objectively. Judgmental methods typically rely on criteria that are not systematically tested and can vary when applied by different individuals.

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30 Year Fixed 2.75% 2.81%
20 Year Fixed 2.625% 2.68%
15 Year Fixed 2.375% 2.433%
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