Company and Director credit reports and annual accounts, free credit reports instantly.#Free #credit #reports #instantly


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FinAid, Loans, Credit Scores, credit scores for free.#Credit #scores #for #free


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Your credit score is a measure of the likelihood that you will pay your debt as agreed. The lower your credit score, the more likely you are to default on your debt. Borrowers with higher credit scores represent a lower risk to the lender.

Most lenders rely on your credit score to determine eligibility for private student loans. Your credit score can also affect the cost of your debt, with lower interest rates and fees reserved for borrowers with better credit scores. This is in contrast to federal education loans, which generally do not depend on your credit score.

What is a Credit Score?

A credit score is an objective measure of credit risk. It summarizes the information from your credit history into a single number. This forms a basis for comparing borrowers. The most popular credit score is the FICO score developed by Fair Isaac Corporation. (The name ‘FICO’ is derived from the initials of the company name.)

Generally, the FICO score depends on the following factors:

The recency, frequency and severity of credit activity also have an impact.

How do Federal Student Loans use Credit Scores?

The Stafford, Perkins and PLUS loans do not depend on your credit score. The Stafford and Perkins loans are available entirely without regard to your credit history. The PLUS loan, however, requires that the borrower not have an adverse credit history.

An adverse credit history is defined as being more than 90 days late on any debt or having any Title IV debt within the past five years subjected to default determination, bankruptcy discharge, foreclosure, repossession, tax lien, wage garnishment, or write-off.

How do Private Student Loans use Credit Scores?

Education lenders generally use the FICO score in combination with other factors to determine eligibility for private student loans. The other criteria typically involve binary (yes/no) decisions, such as debt-to-income ratio and recent bankruptcies.

Most education lenders break their interest rates and fees into five tiers, based on the borrower’s credit score. About 20% of the borrowers get the best rate, followed by 35%, 20%, 10% and 15%. Each tier has an interest rate that is 1% or 2% higher than the previous tier. This means that borrowers with the worst credit scores can have interest rates that are 5% to 6% higher than the interest rates charged to borrowers with excellent credit. The fees are also higher by as much as 9%, although some lenders roll higher fees into the interest rates.

This means that borrowers with bad credit scores may have monthly payments that are 20% to 40% higher and pay two-thirds to 100% more interest over the lifetime of the loan as borrowers with excellent credit scores. That’s as much as double the interest!

If you have a bad credit score, a cosigner with a good credit score can make you eligible for a private student loan. Even if you have a good credit score, a cosigner with a better credit score can potentially reduce the interest rate and fees you’ll have to pay on the loan. This is because most lenders use the better of the two credit scores to determine eligibility and the cost of credit.

Another method of getting a better interest rate is to agree to make payments on the loan while you are in school. Many lenders give better rates for borrowers to begin repayment immediately or make interest-only payments during the in-school period.

If you are denied a private student loan, ask the lender about their appeals process. Sometimes they will make an exception if an unusual circumstance lead to the denial, especially if the negative event is not likely to occur again. Appeals will also be accepted if the denial was the result of inaccurate information on your credit report that was subsequently corrected.

How do Loan Applications affect Credit Scores?

Every loan application or “inquiry” has the potential to reduce your credit score. According to Fair Isaacs, the company that produces the FICO score used by most education lenders, one “inquiry” will generally result in a 5 point reduction in the FICO score. However, since people with six or more inquiries are eight times more likely to declare bankruptcy than people with no inquiries, it is best to keep the number of inquiries small. Also, if your credit history is short or involves very few accounts, an inquiry is likely to have a bigger impact.

On the other hand, the credit reporting agencies do account for “shopping around” behavior for auto loans and mortgages, but not for education loans. When you apply for a mortgage or auto loan, they ignore any current inquiries within the 30 day period prior to scoring and treat any past inquiries within a short period of time (e.g., 14 or 45 days, depending on the version of the FICO score) as a single inquiry.

This compensates for the impact of shopping around. They do not say whether applying for different types of loans (e.g., credit card, mortgage, student loan) counts as separate inquiries even if they are within the shopping around window, but that is likely the case. So the best advice is to apply for all your mortgages and auto loans within a short time period (e.g., a week or two) and to not apply for too many loans.

Free Credit Reports

You are entitled to a free copy of your credit report from each of the three major credit reporting agencies once a year. You can obtain these free credit reports from FinAid recommends spacing out the free credit reports throughout the year, getting a report from just one of the credit reporting agencies each time, so that you’re getting one report every four months.

Beware of sites with similar names that may charge you a fee for your credit reports or additional services. Also, the free credit reports do not necessarily include your credit score.

If you want to buy a copy of your credit reports, including your credit score, you can get it from each credit reporting agency directly. The major credit reporting agencies are:

  • Equifax (1-800-685-1111)
  • Experian (1-888-397-3742 or 1-888-EXPERIAN)
  • TransUnion (1-800-888-4213)

You can also buy copies of your credit reports and FICO scores from Fair Isaacs at

There will be slight variations in your FICO score at each credit reporting agency because your credit history at each agency is slightly different. Learn more on How to Improve Your Credit Score.

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What is A Good Credit Score for Buying a House? ReadyForZero Blog, triple credit score.#Triple #credit #score


What is A Good Credit Score for Buying a House?

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The author of this post is Catey Hill, a writer for the real estate website

Have you ever wondered what is a good credit score for buying a house? If so, you re not alone. Many buyers are entering the housing market right now to take advantage of current low mortgage rates, some of which are even below 3 percent. But before you decide to buy a house, you need to not only figure out if you re financially ready but also make sure that your credit score is in good shape, especially if you want to qualify for the lowest interest rates.

While many people think that an additional percentage point or two on their interest rate won’t make much of a difference, it does. Consider this comparison: Consumers who borrow $200,000 over 30 years at a 5 percent rate pay more than $186,000 in interest to the bank over the life of the loan. Compare this to consumers who borrow the same amount over that same time period but at a 3 percent rate pay just over $103,000 in interest that’s more than 40 percent less.

Plus, a lower interest rate can significantly lower monthly mortgage payments, freeing up cash for homeowners each and every month.

That’s why it’s essential for home buyers to know their credit scores and restore their scores before applying for home loans. Here’s what potential home buyers need to know about credit scores.

What is a “good” credit score?

Credit scores range from 300 (poor) to 850 (excellent). Credit scores are calculated by looking at the following five factors:

  1. Past payment history (35 percent of a score is determined by this; the more bills consumers pay on time, the better their score).
  2. Amounts owed (30 percent; consumers who have used up a large percentage of their available credit will likely have lower scores).
  3. Length of time a consumer has had credit (15 percent; a longer credit history tends to be better)
  4. New credit (10 percent; consumer who open up a lot of new credit at once may hurt their scores)
  5. Type of credit (10 percent; a variety of different types of credit like installment loans, credit cards and retail accounts tend to boost credit scores)

In general, the higher a consumer’s credit score, the lower the interest rate he or she will get, though other factors besides the credit score like down payments (20 percent of the home price or more is preferable) are used when determining interest rates.

Keep in mind that there are several different credit scores and your lender will likely use the credit score that is specifically geared toward mortgage loans.

What kind of credit score do you need to buy a house?

While it used to be that consumers with a credit score of 720 or above could qualify for the best rates, these days consumers will likely need a credit score of 740 or above. A credit score of 620 is typically the minimum score that lenders require to give out conventional home loans (most people get a conventional loan; these loans can be obtained from almost any bank or mortgage company and aren’t backed by the government). People with scores in the 600s may pay a percentage point or more in interest than those with higher credit scores.

Fannie Mae, a government-sponsored entity, requires a minimum score of 620 (though many Fannie Mae loans require a 660), and the Federal Housing Authority (FHA) a government agency offering loans with a low interest rate and down payment requires a minimum score of 580. But still, a score above 740 is the best credit score for buying a house.

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Buying or Selling a Home in 2016?

How can consumers find out their credit score?

Consumers should find out their credit scores before they apply for a loan: This way, they can take the necessary steps to raise their scores and thus get the lowest rates possible. Aspiring home buyers should visit to get a free copy of their credit reports from all three of the major credit bureaus (Experian, TransUnion and Equifax). The credit reports contain the information that your credit scores are based on. Keep in mind that each bureau may have slightly different information on file for you and may have a different credit score for you. Make sure that all the information on the reports is accurate; if it isn’t, go online to the credit bureau’s website to figure out how to dispute the inaccurate information.

In order to get your actual credit score you can sign up for ReadyForZero. Or you can use a website like which gives you one of your three credit scores for free.

How can consumers raise their credit score?

If a consumer finds that everything is correct on his or her credit report, but the score is still less than stellar, there are steps to take to boost the score. Because the bulk of a credit score is determined by payment history and amounts owed, consumers can improve their scores by making sure they pay their bills on time going forward (consumers may want to set up automatic reminders or automatic bill pay with a bank to ensure they don’t forget to pay on time again) and by paying down large debts like credit card bills, especially if these credit cards are nearly maxed out. Plus, consumers should refrain from taking out a bunch of new credit lines at once. These tips will help you improve your credit score.

Hopefully this post has helped to answer the question What is a good credit score for buying a house? But don t try to buy a house just because of low interest rates or any other market trends. Especially if you are working to pay off debt and need time to save up money, then it may not make sense for you to buy a home. For those that do want to, proceed cautiously and keep this information about how credit scores affect the house-buying process in the forefront of your mind.

Triple credit score

This post was published by Ben, Content Manager and Writer for » ReadyForZero. ReadyForZero is a company that helps people get out of debt on their own with a simple and free online tool that can automate and track your debt paydown.

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Review – Free Credit Score – Monitoring, triple credit score.#Triple #credit #score

 - Offers Free Credit Scores and Monitoring

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You might see free credit score offers around the internet, but most of them require you to enter your credit card number for a trial subscription to a credit monitoring service. Forget to cancel your free trial and your credit card will get charged.

Kenneth Lin, founder and CEO of Credit Karma, believed you should have access to your credit score absolutely free, without a credit card or tricky subscription cancellations.

In March 2008, he made it happen. s Free Credit Score and Credit Report allows you to get a free credit score and credit report with absolutely no obligation. You don’t have to enter a credit card number or subscribe to a credit monitoring service. The credit score and credit report are absolutely free (the site makes money through advertisements). I ve used it for several years and have never paid anything to view my credit.

If you’re new to Credit Karma, you can sign up to receive a free credit score in less than two minutes. After you’ve signed up, you can continue to view your credit report and credit score for free every day. Your credit score is refreshed daily and your credit report is refreshed weekly.

The one drawback to Credit Karma s free score is that it s not a FICO score, the one most widely used by lenders. Even though it’s not your FICO score, it gives you a picture of your credit standing based on your TransUnion and Equifax credit reports.

The only thing that s missing is your Experian credit report (you view your Experian credit report and score for free through

Since 2008, Credit Karma has expanded their services to include free daily credit monitoring, a VantageScore, and an Auto Insurance Score. All those services are free.

Credit Karma s Credit Score Simulator

A personalized simulator that tells you how certain actions will affect your credit score. Thinking about applying for a new credit card? Credit Karma will tell you how an additional inquiry will affect your credit score. Paying off a credit card balance? See how much your credit score ​will increase. The simulator will let you choose among the most popular actions with credit limits, payments, and public records to see if your credit score will go up or down.

A credit score comparison that lets you compare your credit score to other consumers in a similar demographic.

Credit Report Card

The Credit Report Card gives you a letter grade A-F in the following areas: Overall, Utilization, On-Time Payments, Average Age of Open Accounts, Total Accounts, Hard Inquiries, and Derogatory Marks. These grades can help you evaluate the areas, if any, that are hurting your credit score. If you re working to improve your credit score, you know exactly which area to focus on.

Other Credit Information

In addition to credit score information, you can also find details about your debt accounts, including the amount your balances increased or decreased since your last update.

Credit Karma can also recommend the credit cards you re most likely to be approved for based on your credit standing. Other Credit Karma users who ve applied for those credit cards list their credit scores and whether they were approved. That information gives you

Bottom Line

Since I started using Credit Karma in 2008, it has evolved from a website to check your credit score to a tool to help you improve your credit and assess your debt. It s free and the information is invaluable. There s no reason not to use Credit Karma. When you visit the site, make sure you ve typed the URL correctly. Look for a lock next to the URL at the top of your browser and check to see that URL begins with https:// . The s is your sign that you re visiting a secure website.

Ready to start building wealth? Sign up today to learn how to save for an early retirement, tackle your debt, and grow your net worth.

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Bank of America Personal loans online, online credit score.#Online #credit #score


Bank of America Personal Finance

Bank of America is one of the best financial banks to get personal loan at your need time. Borrowers can make application online or call customer service at 1.866.467.6495. First and foremost you will have to fulfill the eligibility criteria as defined by bank. You can obtain a variety of loans from bank if you have a good credit history and a reliable source of income.

Updated 2017: However, people with bad credit score may also qualify for a personal loan at affordable rates from the bank. Bad credit borrowers can get competitive rates on their loans by offering collateral against the loan amounts. They may find it hard to qualify for unsecured loans, and even if they qualify, interest rates on their loans will be higher than those of good credit borrowers.

What are the eligibility criteria and documents required to apply for loan at Bank of America?

You will need to provide specific details and documents to verify you trustworthiness, credit history and all financial background for loan application.

You will have to submit following:

  • Copy of a prior two year W-2s Form
  • 2 current consecutive pay stubs
  • Last two month bank statements of all accounts
  • Self attested tax return copy
  • Self-employed person can submit his quarterly or yearly profit/loss details
  • If you are borrower of mortgage, line of credit or home equity loan, submit monthly statement.

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What types of loan options available at Bank of America?

Bank always helped to borrowers as personal finance at emergency time. It provides an array of financial solutions in all over country which is described below:

Auto Loans

Whether you are looking to buy a brand new or a used vehicle, BofA offers auto loans that come with a number of benefits. You can easily finance your car with a low rate auto loan having flexible repayment terms and conditions. Borrowers should ensure fixed rate before buying a car. Currently, bank describes 2.39% APT+ on new car, 2.64% APT+ on used car and 2.89% APT+ on refinance. When you obtain an auto loan from the bank, you enjoy the following benefits:

  • Lower interest rates
  • A 0.5% rate discount on auto purchase or refinance loan for BofA personal checking customers
  • Fast access to funds (in as little as 24 hours)
  • Online payment tools and auto loan calculators
  • Dealer network that can help streamline the purchasing process.

Home Equity Line of Credit

Your home opens the door to a number of possibilities. Use the equity of your existing home to secure a home equity line of credit from BOA and get instant access to funds whenever you need it. Use your credit line to complete a home renovation project, plan a vacation, make a major purchase, consolidate debt, or pay your child’s tuition. Basic features of this line of credit include:

  • 875% variable APR
  • Minimum line amount of $25,000
  • Maximum line amount of $500,000 (for primary residence) and $100,000 (for second/vacation home)
  • A 10-year draw period followed by a 20-year repayment period.

You can call customer service representative at 1.800.763.2053 for Home Equity Line of Credit.

Home Equity Loan

This is a fixed rate loan that you can obtain by providing your home’s equity as collateral. It allows you to get the entire loan amount all at once. As you borrow a one-time lump sum, this loan is convenient for large expenses and debt consolidation. Some basic features of home equity loan are:

  • You have to pay fixed rate, monthly principal and interest
  • Fixed loan term ranging from 3 to 25 years
  • Minimum line amount of $25,000
  • Maximum line amount of $500,000 (for primary residence) and $100,000 (for second/vacation home).

What is the best deal regarding personal finance at Bank of America?

Personal loans can be classified into two types: secured and unsecured. To obtain a secured loan, you need to provide a collateral such as your home, car, savings account, or certificate of deposits. Providing collateral allows you to get lower interest rates and better loan terms.

Unlike secured loans, you are not required to provide any collateral to get unsecured nature loans. Approval for the loan mostly depends on your credit score and income status. The banks generally charge higher interest rates for unsecured loans. You can follow some simple steps to get the best deals when applying for personal loans:

  • Shop around, check customer review, and compare rates and terms of various lenders
  • Check your current credit score and fix any discrepancies before making your loan application
  • Understand your repayments terms and look out for hidden fees and charges
  • Provide collateral if possible to get lower rate and better repayment terms
  • Make your repayment on time and maintain your budget.

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7 Ways To Improve Your Credit Score, credit history.#Credit #history


7 ways to improve your credit score

If you need to boost your credit score, it won’t happen overnight.

Credit scores take into account years of past behavior you can find on your credit report, and not just your present actions.

But there are some steps you can take now to start on the path to better credit.

7 steps to raise your credit score

  1. Watch those credit card balances.
  2. Eliminate credit card balances.
  3. Leave old debt on your report.
  4. Use your calendar.
  5. Pay bills on time.
  6. Don’t hint at risk.
  7. Don’t obsess.

1. Watch those credit card balances

One major factor in your credit score is how much revolving credit you have versus how much you’re actually using. The smaller that percentage is, the better it is for your credit rating.

The optimum: 30 percent or lower.

To boost your score, “pay down your balances, and keep those balances low,” says Pamela Banks, senior policy counsel for Consumers Union.

If you have multiple credit card balances, consolidating them with a personal loan could help your score.

What you might not know: Even if you pay balances in full every month, you still could have a higher utilization ratio than you’d expect. That’s because some issuers use the balance on your statement as the one reported to the bureau. Even if you’re paying balances in full every month, your credit score will still weigh your monthly balances.

One strategy: See if the credit card issuer will accept multiple payments throughout the month.

2. Eliminate credit card balances

“A good way to improve your credit score is to eliminate nuisance balances,” says John Ulzheimer, a nationally recognized credit expert formerly of FICO and Equifax. Those are the small balances you have on a number of credit cards.

The reason this strategy can boost your score: One of the items your score considers is just how many of your cards have balances, Ulzheimer says. That’s why charging $50 on one card and $30 on another instead of using the same card (preferably one with a good interest rate) can hurt your credit score.

The solution to improve your credit score is to gather up all those credit cards with small balances and pay them off, Ulzheimer says. Then select one or two go-to cards that you can use for everything.

“That way, you’re not polluting your credit report with a lot of balances,” he says.

3. Leave old debt on your report

Some people erroneously believe that old debt on their credit report is bad.

The minute they get their home or car paid off, they’re on the phone trying to get it removed from their credit report.

Negative items are bad for your credit score, and most of them will disappear from your report after seven years. However, “arguing to get old accounts off your credit report just because they’re paid is a bad idea,” Ulzheimer says.

Good debt — debt that you’ve handled well and paid as agreed — is good for your credit. The longer your history of good debt is, the better it is for your score.

One of the ways to improve your credit score: Leave old debt and good accounts on as long as possible. This is also a good reason not to close old accounts where you’ve had a solid repayment record.

Trying to get rid of old good debt “is like making straight A’s in high school and trying to expunge the record 20 years later,” Ulzheimer says. “You never want that stuff to come off your history.”

4. Use your calendar

If you’re shopping for a home, car or student loan, it pays to do your rate shopping within a short time period.

Every time you apply for credit, it can cause a small dip in your credit score that lasts a year. That’s because if someone is making multiple applications for credit, it usually means he or she wants to use more credit.

However, with three kinds of loans — mortgage, auto and more recently, student loans — scoring formulas allow for the fact that you’ll make multiple applications but take out only one loan.

The FICO score, a credit score commonly used by lenders, ignores any such inquiries made in the 30 days prior to scoring. If it finds some that are older than 30 days, it will count those made within a typical shopping period as just one inquiry.

The length of that shopping period depends on the credit score used.

If lenders are using the newest forms of scoring software, then you have 45 days, says Ulzheimer. With older forms, you need to keep it to 14 days.

Older forms of the software won’t count multiple student loan inquiries as one, no matter how close together you make applications, he says.

5. Pay bills on time

If you’re planning a major purchase (like a home or a car), you might be scrambling to assemble one big chunk of cash.

While you’re juggling bills, you don’t want to start paying bills late. Even if you’re sitting on a pile of savings, a drop in your score could scuttle that dream deal.

One of the biggest ingredients in a good credit score is simply month after month of plain-vanilla, on-time payments.

“Credit scores are determined by what’s in your credit report,” says Linda Sherry, director of national priorities for Consumer Action. If you’re bad about paying your bills — or paying them on time — it damages your credit and hurts your credit score, she says.

That can even extend to items that aren’t normally associated with credit reporting, such as library books, she says. That’s because even if the original “creditor,” such as the library, doesn’t report to the bureaus, they may eventually call in a collections agency for an unpaid bill. That agency could very well list the item on your credit report.

Putting cash into a savings account for a major purchase is smart. Just don’t slight the regular bills to do it.

6. Don’t hint at risk

Sometimes, one of the best ways to improve your credit score is to not do something that could sink it.

Two of the biggies are missing payments and suddenly paying less (or charging more) than you normally do, says Dave Jones, retired president of the Association of Independent Consumer Credit Counseling Agencies.

Other changes that could scare your card issuer (but not necessarily hurt your credit score): taking cash advances or even using your cards at businesses that could indicate current or future money stress, such as a pawnshop or a divorce attorney, he says.

“You just don’t want to do anything that would indicate risk,” Jones says.

7. Don’t obsess

You should be laser-focused on your credit score when you know you’ll soon need credit. In the interim, pay your bills and use credit responsibly. Your score will reflect these smart spending behaviors.

Are you getting ready to make a big purchase, such as a home or car? At least a few months in advance, have a look at your credit score.

While the score that you get through your bank or a service may not be the exact same one your lender uses, it will grade you on many of the same criteria and give you a good indication of how well you’re managing your credit. It will provide you with specific ways to improve your credit score — in the form of several codes or factors that kept your score from being higher.

If you are denied credit (or don’t qualify for the lender’s best rate), the lender has to show you the credit score it used, thanks to the Dodd-Frank Wall Street Reform and Consumer Protection Act.

Another smart move is to regularly check your credit reports.

You’re entitled to one of each of your three credit bureau reports (Equifax, Experian and TransUnion) for free every 12 months through

It’s smart to stagger them. Send for one every four months, and you can monitor your credit for free.

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CREDIT CARDS and LOANS for BAD CREDIT, credit cards offers.#Credit #cards #offers


Loans and Credit Cards for Bad Credit

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Model T – Facts & Summary, credit history.#Credit #history


Model T

Henry Ford and the Model T

Find out how Henry Ford’s Model T revolutionized transportation in America.

Model T


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November 12, 2017



The Model T, also known as the Tin Lizzie, changed the way Americans live, work and travel. Henry Ford s revolutionary advancements in assembly-line automobile manufacturing made the Model T the first car to be affordable for a majority of Americans. For the first time car ownership became a reality for average American workers, not just the wealthy. More than 15 million Model Ts were built in Detroit and Highland Park, Michigan, and the automobile was also assembled at a Ford plant in Manchester, England, and at plants in continental Europe.

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The Model T was an automobile built by the Ford Motor Company from 1908 until 1927. Conceived by Henry Ford as practical, affordable transportation for the common man, it quickly became prized for its low cost, durability, versatility, and ease of maintenance. Assembly-line production allowed the price of the touring car version to be lowered from $850 in 1908 to less than $300 in 1925. At such prices the Model T at times comprised as much as 40 percent of all cars sold in the United States. Even before it lost favour to larger, more powerful, and more luxurious cars, the Model T, known popularly as the “Tin Lizzie” or the “flivver,” had become an American folkloric symbol, essentially realizing Ford’s goal to “democratize the automobile.”

Did You Know?

Between 1913 and 1927, Ford factories produced more than 15 million Model Ts.

The Model T was offered in several body styles, including a five-seat touring car, a two-seat runabout, and a seven-seat town car. All bodies were mounted on a uniform 100-inch-wheelbase chassis. A choice of colors was originally available, but from 1913 to 1925 the car was mass-produced in only one color—black. The engine was simple and efficient, with all four cylinders cast in a single block and the cylinder head detachable for easy access and repair. The engine generated 20 horsepower and propelled the car to modest top speeds of 40–45 miles per hour (65–70 km/h). In most models the engine was started by a hand crank, which activated a magneto connected to the flywheel, but after 1920 some models were equipped with battery-powered starters. The transmission, consisting of two forward gears and one reverse, was of the planetary type, controlled by foot pedals rather than the more common hand lever used in sliding-gear transmissions. Spark and throttle were controlled by a hand lever on the steering column. The 10-gallon fuel tank was located under the front seat. Because gasoline was fed to the engine only by gravity, and also because the reverse gear offered more power than the forward gears, the Model T frequently had to be driven up a steep hill backward. Such deficiencies, along with its homely appearance, less-than-comfortable ride at top speeds, and incessant rattling, made the Model T the butt of much affectionate humour in innumerable jokes, songs, poems, and stories.

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