Credit Reports Article Category


Credit Reports Articles

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Thanks to the federal fact Act, consumers nationwide are now able to get annually a free copy of credit report. You credit report is actually your credit history for a period of time. Even though it is just a three-digit number but it has great importance in today's business world. Many money and bank lenders solely depend on your credit report to judge your financial stability to grant a loan.
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In case that you have bad credit score and are not really sure how bad your credit score is, you must get a hold of your credit score report. As a regular individual you will have to obtain a duplicate of your credit report sooner or later if you want to be pre-approved for a home or a car loan.
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It is already hard enough to find a position you feel you deserve. With all the competition among college degrees, work experience and other qualifications there is yet another area a potential employer has to find appealing. Believe it or not, it is your credit report. A credit report is issued by an independent agency, such as a credit bureau, which contains certain information concerning a person's credit history and current credit standing.
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Do you know what the number one, most important thing you can do to improve your credit rating? We'll tell you! And find out why raising the credit limit on your credit card can actually work in your favor to raise your FICO score. We also offer tips on how to repair errors and inaccuracies in your credit report.
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If you're like most of us, you probably don't even think about your credit rating until it's time to apply for a credit card, mortgage or car loan. A little known fact is that people with a 'good' or 'excellent' credit rating can pay a significantly lower interest rate when they borrow money. This can mean a savings to you of hundreds or even thousands of dollars over the life of a loan.
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Credit is something that some take lightly or give little thought to until it's really needed. There are 10 things that you can do to make sure that your credit is always in good standing so it will be available when needed.
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If you plan to apply for a mortgage, car loan, credit card or consolidation loan, then you will need to know what is in your credit reports from each of the three major credit bureaus. These include TransUnion, Equifax and Experian and each keeps a detailed record of your current and past debts, payment history, along with any information on public record, which may include foreclosures, bankruptcies or judgements.
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Today, banks offer credit for all your requirements, be it buying a house, car or consumer goods like a television, washing machine or a music system. The financers finalize their decision to lend you money based on your credit report. Special agencies or credit bureaus maintain these reports.
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Anyone who wishes to apply for a credit card, mortgage loan, car loan or debt consolidation loan needs to be familiar with his/her credit report and the information contained inside. So, just what is included in a credit report? The answer is an entire listing of an individual's payment history for the past 7 years, current debt load and any public record information, such as judgements, bankruptcy and/or foreclosures.
Expert Author:
Your credit rating, like a report card of your credit history, is important when determining your economic status. When your credit rating is good, can easily obtain a loan, a mortgage, or credit cards, among other things. But if you have a spotty payment history with a creditor, or even went into default with one or more loans, this negative action is reported to a credit reporting agency, which keeps track of your credit report.
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