It's the popular mobile app that allows you to send videos and pictures, both of which will self destruct after a few seconds of a person viewing them. Snapchat is also a fun messaging app. You can take a photo or a video with it, then add a caption or doodle or lens graphic over top, and send it to a friend. Alternatively, you can add it to your story, a 24-hour collection of your photos and videos, which you broadcast to the world or just your followers.
An Average Credit Score: 679 - 620. When applying for auto loans with credit scores of 640, 660, 650, or 644 for example, you will have higher rates on available loans. Most new and used car lots (including franchised car dealers) will still provide you with financing while most banks will take a deeper look into your finances prior to approval.
Government-Backed Loans. Home loans backed or financed by the Federal Housing Administration and the Veterans Administration have different views of credit scores. FHA recently changed its minimum credit score to 580, which qualifies you for lending programs that require only a 3.5 percent down payment.VA loans are 100-percent financed and set aside for active and retired military, along with their families.ndependent lenders take many of their cues from what these two organizations do. According to the Washington Post, Fannie Mae raised its minimum credit score for conventional loans in 2009 from 580 to 620. Even if you have a 20-percent down payment, you can be rejected if your score is below 620.