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What is a credit score ? How is it calculated ?

Credit Score is a number usually given between 300-850 based on an individual’s credit reports (Credit History Reports), though there is no fixed rule of arriving at a credit score, but the higher the score the better deals you get from lenders.

Credit scores are directly proportional to your creditworthiness. It is widely accepted that a score of 700+ is considered good and any score less than 600 is considered high risk group. Each event in a person’s credit affects the credit score, and the score change depends upon the significance of the event.

The following factors affect the credit score

1. % of usage of credit utilized.
2. Payment History – If you have paid on time on Credit card, Mortgage or Utilities.
3. Lenght of Credit History.
4. Type of Credit – The more types of credit you have a better score.
5. Recent Credit Enquiries on the Credit Report.

Lenders usually provide credit approvals based on the Credit Score, a good score means instant approvals and an average score will lead to scrutiny and an Bad score often outright rejection.

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Nokia C7 Review, Specifications and Comparison

Nokia C7 is a smartphone with Symbian 3 OS, ARM 11 680 MHz processor 3D graphics hardware accelerator, 3G features include High Speed Downlink Packet Access 10.2 Mbps and High Speed Uplink Packet Access 2 Mbps. The display screen is of Active Matrix OLEDs (AMOLED) capacitive touchscreen, 3.5 inches, 16.7 million colors, UI auto-rotate, scratch resistant screen, finger touch control, on-screen alphanumeric keypad and full keyboard.

The phone has 8 MP camera with dual LED flash, face detection, geo-tagging, and video stabilization. While looking at battery power the phone has Li-Ion (lithium-ion) standard battery of 1200 mAh therefore a standby power of 656 h max, talk time power of 318 mins max, and 54 h for playing music is available.

The other features include stereo FM, FM transmitter, games, voice command, web tv, browsers like WAP 2.0/x HTML, HTML, RSS Feeds, office tools like word, excel, power point, MS Outlook synchronization for contacts, calendar, notes and etc., also Flash Lite 4.0 and Adobe Reader are available. The phone has IEEE 802.11 b/g/n Wi-Fi, TCP/IP support, to serve as data modem, GPRS, EDGE, GSM,  Bluetooth 3.0, micro USB connector and USB on-the-go. It has 8 GB memory storage, 256 MB RAM, 1 GB ROM, external memory extendable till 32 GB microSD. The audio jack is of 3.5 mm, MP3, WAV, AAC, eAAC, eAAC+, WMA, AMR-NB ringtones. The phone comes in three colors like frosty metal, mocha, and charcoal black.

Nokia C7 Specifications :

Dimensions : 117.3 * 56.8 * 10.5 mm comparing to iPhone which is 115.2 * 56.8 * 9.3 mm and Galaxy S is 123 * 64.2 * 10.8 mm

Weight : 130 g where iPhone weighs 137 g and Galaxy S weighs 123 g

Screen size : 3.5 inches which is similar to iPhone and Galaxy S is 4 inches

Active Matrix OLEDs (AMOLED) capacitive touchscreen whereas Galaxy S has Super Active Matrix OLEDs

Ambient light detector

16.7 million colors

UI auto-rotate

Scratch resistant where iPone has scratch resistant and oleophobic surface

Proximity sensor

PC Applications : Nokia Ovi Suite and Nokia Ovi player

Symbian 3 OS, ARM 11 680 MHz processor 3D graphics hardware accelerator

Memory : 8 GB memory storage, 256 MB RAM, 1 GB ROM, external memory extendable till 32 GB microSD and Galaxy S has 16 GB memory

3G : High Speed Downlink Packet Access 10.2 Mbps and High Speed Uplink Packet Access 2 Mbps

Wi-Fi : IEEE 802.11 b/g/n

GPRS

EDGE

GSM

Bluetooth 3.0

MP3, WAV, AAC, eAAC, eAAC+, WMA, AMR-NB ringtones

3.5 mm audio jack

Camera : 8 MP camera with dual LED flash, face detection, geo-tagging, and video stabilization comparing to iPhone and Galaxy S have 5MP camera

SMS, MMS, Email, push email, IM

Office Tools for text editing and viewing

FM, FM transmitter

Games

Voice command

Video call support

Web tv

Browsers like WAP 2.0/x HTML, HTML, RSS Reader

Battery : standby power of 656 h max, talk time power of 318 mins max whereas iPhone has standby power of 300 h and talk time power of 7 h.

1200 mAh Li-Ion standard battery whereas Galaxy S has 1500 mAh Li-Po standard battery

Colors : frosty metal, mocha, and charcoal black

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Nokia E7 Review and Specifications

Nokia E7 is a smartphone with qwerty keypad, Active Matrix OLEDs (AMOLED) touchscreen. It has 8 mega pixel camera with dual LED flash, face detection, video stabilization and geo-tagging. The battery has 480 hours standby power and 5 hours talk-time power. While looking at memory storage it has a internal memory of 16 GB, 256 MB RAM, 1 GB ROM.

And other features are that it has bluetooth, SMS, MMS, Email, push email, IM, GPS, GPRS, EDGE, Symbian 3 OS, ARM 11 680 MHz processor, 3d graphics hardware accelerator, Wi-Fi, micro USB v2.0 and USB on-the-go support where the device themselves become the host when connected with another USB device,  3G features include High Speed Downlink Packet Access 10.2 Mbps, High Speed Uplink Access 2 Mbps, MP3/WAV/WMA and MP4/WMV, call recordings upto 30 days, FM, Games, voice command, editors for documents, photos and videos, can be connected to tv through HDMI and other supporting ports, Browsers like RSS reader, HTML, WAP 2.0/xHTML. The phone comes in five colors like orange, green, blue, silver and dark grey.

Nokia E7 specifications

Dimensions 123.7 * 62.4 * 13.6 mm

Weight 176g

Comparing to iPhone weighs 137g, dimension is 115.2 x 58.6 x 9.3 and Blackberry Torch weighs 161g, dimension is 111 x 62 x 14.6 mm

Resolution Active Matrix OLEDs capacitive touchscreen 360 * 640 pixels, Resolution of Blackberry is 480 x 360 – 3.6 inch screen, iPhone’s resolution is 640 * 960 pixels – 3.5 inches

Proximity sensor for auto turn-off

Scratch resistant

UI auto rotate

Multi touch input

2G and 3G network GSM and HSDPA respectively

Speaker 3.5 mm audio jack

Memory storage 16 GB, 256 MB RAM, 1 GB ROM whereas iPhone comes with 16/32 GB storage and 512 MB RAM

Wi-Fi, GPRS, EDGE

Bluetooth

Video Camera 8MP with video stabilization, dual LED flash, face detection, geo tagging when compared to Blackberry Torch and iPhone comes with 5MP camera

Symbian 3 OS, ARM 11 680 MHz processor, 3d graphics hardware accelerator

USB port : micro USB v2.0 and USB on-the-go support

FM

Games

Voice command

MP3/WAV/WMA and MP4/WMV

Browsers : RSS reader, HTML, WAP 2.0/xHTML

Colors : orange, green, blue, silver and dark grey

Flash Lite 4.0, Document, photo and video editors

SMS, MMS, Email, push email, IM

TV-out through HDMI

Battery : 480 hours standby power and 5 hours talk-time power