Eric V. Gilbert
Broker/Associate Broker World Impact Real Estate 4776 Main Street Ste L-202 Orange Beach, AL 36561 251-256-0004

Credit score

Mortgage (and other loan) qualification is increasingly being done by means of "credit scoring". This is a mathematical analysis which considers many different aspects of your credit history -- late payments, delinquencies, tax liens, etc... and expresses it as a single "grade". This calculator will "grade" your credit using the number of late payments you have on various credit accounts. This isn't a true "credit score", but will give you a pretty good idea of your credit worthiness.

Your Credit Grade*


Mortgage Payments (# of late payments past 12 months)

30 Days Late

60 Days Late

90 Days Late

90+ Days Late

Revolving Credit (# of late payments past 12 months)

30 Days Late

60 Days Late

90+ Days Late

90+ Days Late

Misc Items (# of years since last action)

Real Estate Foreclosure

Personal Bankruptcy

Creditor Judgements against you

Collections or Wage Garnishments

Creditor Chargeoffs

Tax Liens


* This is an approximate rating. Different lenders may grade you somewhat higher or lower, depending on their internal underwriting requirements. Also, the elements which influence your credit rating are often subject to interpretation. There may be mitigating factors, such as a layoff for example, which are not likely to reoccur.

Your Dedicated Agent

Eric V. Gilbert

Broker/Associate Broker Mobile: 251-256-0004

World Impact Real Estate
4776 Main Street Ste L-202
Orange Beach, AL 36561
Communities Served

I´m Here To Help

If you are ready to start your buying or selling process
give me a call at 251-256-0004 - I´m happy to answer all your questions.

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