What is a SPOOKY Credit Score?

Thursday, Oct 31, 19
Don't have a scary credit score!

Happy Halloween all.  We recently had a new credit repair client who said their current credit score was spooky and they no longer wanted to have a spooky credit score.

So what the heck is a spooky credit score?  In reality, this client was just joking that their credit score was poor and they wanted better.

If I had to define a spooky credit score, I would call it a credit score that would produce less than the best credit approval and terms.  Many consumers fail to understand that poor credit scores may lead to approvals but often these approvals come with higher interest rates and/or fees.  In my business, this is often referred to as risk based pricing.  Poor credit scores are considered riskier to lenders, landlords, insurance companies and others so credit providers typically charge more to offset the risk.

So, what to do if your credit score is spooky?  The short answer is work on it.  Pay all your bills timely going forward and try to keep your debt to a minimum.

If your credit needs some help, take action. There are a lot of resources available on steps to improve your credit. You can get free information from the FTC or contact a professional company like for affordable credit repair help. By taking action to improve your credit, you may qualify for the home of your dreams or a new auto while paying less in interest charges.

Call us at 412-564-5370 with any questions / comments or click here to schedule a free program review.  Like us on Facebook to receive future consumer credit tips.

About the Author

Credit Reporting / Scoring Expert, Chris McConville is the President of Credit Education at and founder of where he works as an Expert Credit Witness in both Federal and State Court. With working in the credit and mortgage fields since 1991, he’s dedicated to sharing his knowledge to educate consumers.

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