Alt-A mortgages may have excellent credit but may not meet underwriting criteria for other reasons.

Although the woman had excellent credit, it took a year to close on a loan.

She was assigned a new loan officer, Pamela Anderson, who reworked her application, explaining the bankruptcy and highlighting her excellent credit since then.

In those instances, a borrower will not only need to have excellent credit and adequate income but be in an area with stable housing prices.

Students and families with excellent credit generally receive lower rates and smaller loan origination fees than those with less than perfect credit.

But if you have excellent credit, you already know it.

Consumers with excellent credit can now even arrange their loans online, through Internet lending services.

None charge an annual fee, though you do need good to excellent credit to apply (all information is current as of press time).

My wife and I have excellent credit.

Many of the promotions that you see on television are reserved just for people with excellent credit.