My free credit score Parkersburg

While you definitely want to read the full report in detail, a quick check on a handful of indicators can give you an instant appraisal of how good --or bad -- your credit is right now. Here are six markers that can provide an X-ray of your credit health. By Constance Gustke • Bankrate.com Banks and financial websites are offering more innovative tools, incentives and higher rates these days to help you pump up your savings. Programs like Bank of America's Keep the Change even kick in some money to help you out in the beginning. Others like SmartyPig.com are dishing out cash-back rewards on their co-branded prepaid debit cards that you can shuttle into savings. Even so, don't count on debit card cash-back rewards programs to my free credit score Parkersburg help you for long. Chase, Wells Fargo and PNC my free credit score Parkersburg are among the banks phasing out these debit card programs. secure credit report Banks are looking at huge changes in revenue due to new regulations, says Ron Shevlin, a senior analyst at Aite Group LLC, a research firm my free credit score Parkersburg in Boston. The upshot is they're less willing to hand out incentives. But for consumers with hefty savings or my free credit score Parkersburg multiple accounts, incentives can still be sweet. Ultimately, building savings by paying yourself first with direct deposit is best, says Greg McBride, CFA,senior financial analyst at Bankrate.com.

But for some extra oomph, here are five easy tips to build on your savings. 3 credit reports free

5 easy ways to pump up your savings By Polyana da Costa • Bankrate.com Ш The debt-to-income ratio measures whether you can afford the mortgage.

Ш The front-end debt-to-income ratio looks at the monthly house payment. Ш The back-end debt-to-income ratio my free credit score Parkersburg looks at all debt payments.

Paying your bills on time, having stable income and boasting a good credit score won't get you a mortgage loan if your lender determines that you live too close to the edge.

In the mortgage lending world, your distance from the edge is measured by your debt-to-income ratio, which, my free credit score Parkersburg simply put, is a comparison of your housing expenses and your monthly debt obligations versus how much you earn. Knowing your DTI is just as important as knowing your credit score when you get ready to apply for a my free credit score Parkersburg home loan, says Ed Conarchy, a mortgage planner and investment adviser at Cherry Creek Mortgage in Vernon my free credit score Parkersburg Hills, Ill. 3 credit report free People are so focused on their credit scores and on getting my free credit score Parkersburg a low interest rate that my free credit score Parkersburg they forget to look at the big picture of their financials, Conarchy says.