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hi this is Brad with credit sense this week we're going to talk about the credit approval process now the credit approval process is also known as underwriting don't let this scare you underwriting is very simple and it's pretty straightforward when you really get down to the brass tacks of things the way this process works is it's based off of the first component being your credit score so as always once you have your 800 credit score with our 800 system then you're going to be in a much better position for your approval process if you have a lower score what you will find is that the credit factors coming into the underwriting process are going to require higher percentages to get you that approval so lower score means other credit factors have to have higher percentages to get you approved what are those other factors well they come from multiple areas the different places they come from can be your debt-to-income ratio the length of time you've been at your residence your income level now these factors just a real simple example if you needed 10 points and your FICO score is under 720 you're gonna find that you might only get to 3 points for your FICO score so the other 7 has to be made up by the other underwriting criteria the higher your credit score the less these other areas have to pick up the slack to get you approved higher credit scores mean you're more certain to be approved for the loans you're looking for and this is Brad with credit sense and that makes sense to me