Your Credit Report explains your nature of paying back the commitments that you have and how prompt you are on paying the debts that you have. Credit Reporting agencies will do this job of maintaining your history and you are likely to have a record on your name if you are spending on the electronic way,using credit cards,buying the goods using debit cards, applied for a loan ... and so.
Any way if you are making all the transactions with live cash you are likely not to have a credit history with the agencies. This people even offer additional services like giving regular updates on your history and their basic job is to provide this information for the banks and lenders when they require this information.
What is a credit report ?
Credit report lists your Social Security number, current and past addresses, employment, loans, credit cards, mortgages, and all other debts. It lists what accounts you have paid completely and what are in pending and even gives information regarding the bankruptcies you have filed and in process.
When you apply for a loan or a credit card the corresponding people will have a glimpse of it and decide weather to give the favor to you or not. The agencies rate your financial behavior and repayment options,possibilities and repayment habits .
The report consists of your financial transactions of repayments ,credit card spending and even consists of your address old and new. It also consists of information regarding your location change with out proper information.
The items in credit score are listed as positive,neutral or negative. The negative report like overdue stays on your list for a term of seven years and it will be a tough line in the credit history and keep on punching your aspirations.
It also shows who has requested for your credit report and on what date. You can get a free report from each company once in a year. The report from each agency is going to be bit different and you have to keep all the reports at one place to come to a common conclusion. The company shall clarity on the issues that report has and expert human help is available from the company.
Can you get a free report ?
Once in a year you are having the right to get free credit report and from the appropriate agency You can get it and what is that agency depends on where do you live. To request your credit report you need to enter your social security number and this sites are secure enough to enter this number and they are protected from fishing and you need not worry about the hacking kind of stuff.
It is better get it from different agencies over the time to have a regular monitoring . The report is not going to have the credit score. For additional reports you shall pay the minimum and you can request over phone or via mail for fresh report.
Can you get your life partner report ?
You can not request your spouse report and this shall be done separately.Both of you can discuss and try to correct the problems that they have together and even can take an expert help. If some one denied a credit or job basing on the credit report you have the right to demand the same report with in the sixty days of denial.
What is Credit Score ?
Credit score is a three digit number which varies from 300 to 850 and the average USA credit score is 723 and it is also referred as FICO score as the company Fair Issac and Company has designed it. The score is a result of overall credit report in a three digit sum up and it is like a rating to judge the financial status and behavior of a customer. A good credit score shall start from 680 and it can go to any extend of 850 to be the best.
If your credit score is higher you will be qualified for the loans and credits that we apply and you will get the deal with small possible interest rate. The lender will be glad to give a loan to some one who has a good credit score and even they chase your mail and phone with offers.
You can not get your credit score free and the only freebie is the credit report and depending on the need you have to pay and choose the credit score at a time or at intervals. You can get it from
WWW.MYFICO.COM
How to have a better Credit Report ?
1.Having less than 10 or 11 accounts either open or closed.
2. Less change of address happened in small times.
3.Regular employment with out frequent brakes.
4.Regular repayments of dues.
5.No over dues or forecloses.
6. A credit score above 680.
Having more number of accounts in different banks to get the wonderful offers and if you just open them for offers it is going to be reflected badly and be choosy and think about it twice before committing.
You shall not apply for a credit when you are not in need of it to have a better credit report.
Using credit card and paying back after the grace period is a issue as the company show that money as the balance to be paid in that month's report and your next creditor is not going to be happy with that.
Consolidating your student loan is also seen in a negative way be the credit reporting companies.
Take care of all the above mentioned issues and have a good credit report and and credit score.
All the best and your feed back is welcome.
Related Post :
My credit check an introduction
Any way if you are making all the transactions with live cash you are likely not to have a credit history with the agencies. This people even offer additional services like giving regular updates on your history and their basic job is to provide this information for the banks and lenders when they require this information.
What is a credit report ?
Credit report lists your Social Security number, current and past addresses, employment, loans, credit cards, mortgages, and all other debts. It lists what accounts you have paid completely and what are in pending and even gives information regarding the bankruptcies you have filed and in process.
When you apply for a loan or a credit card the corresponding people will have a glimpse of it and decide weather to give the favor to you or not. The agencies rate your financial behavior and repayment options,possibilities and repayment habits .
The report consists of your financial transactions of repayments ,credit card spending and even consists of your address old and new. It also consists of information regarding your location change with out proper information.
The items in credit score are listed as positive,neutral or negative. The negative report like overdue stays on your list for a term of seven years and it will be a tough line in the credit history and keep on punching your aspirations.
It also shows who has requested for your credit report and on what date. You can get a free report from each company once in a year. The report from each agency is going to be bit different and you have to keep all the reports at one place to come to a common conclusion. The company shall clarity on the issues that report has and expert human help is available from the company.
Can you get a free report ?
Once in a year you are having the right to get free credit report and from the appropriate agency You can get it and what is that agency depends on where do you live. To request your credit report you need to enter your social security number and this sites are secure enough to enter this number and they are protected from fishing and you need not worry about the hacking kind of stuff.
It is better get it from different agencies over the time to have a regular monitoring . The report is not going to have the credit score. For additional reports you shall pay the minimum and you can request over phone or via mail for fresh report.
Can you get your life partner report ?
You can not request your spouse report and this shall be done separately.Both of you can discuss and try to correct the problems that they have together and even can take an expert help. If some one denied a credit or job basing on the credit report you have the right to demand the same report with in the sixty days of denial.
What is Credit Score ?
Credit score is a three digit number which varies from 300 to 850 and the average USA credit score is 723 and it is also referred as FICO score as the company Fair Issac and Company has designed it. The score is a result of overall credit report in a three digit sum up and it is like a rating to judge the financial status and behavior of a customer. A good credit score shall start from 680 and it can go to any extend of 850 to be the best.
If your credit score is higher you will be qualified for the loans and credits that we apply and you will get the deal with small possible interest rate. The lender will be glad to give a loan to some one who has a good credit score and even they chase your mail and phone with offers.
You can not get your credit score free and the only freebie is the credit report and depending on the need you have to pay and choose the credit score at a time or at intervals. You can get it from
WWW.MYFICO.COM
How to have a better Credit Report ?
1.Having less than 10 or 11 accounts either open or closed.
2. Less change of address happened in small times.
3.Regular employment with out frequent brakes.
4.Regular repayments of dues.
5.No over dues or forecloses.
6. A credit score above 680.
Having more number of accounts in different banks to get the wonderful offers and if you just open them for offers it is going to be reflected badly and be choosy and think about it twice before committing.
You shall not apply for a credit when you are not in need of it to have a better credit report.
Using credit card and paying back after the grace period is a issue as the company show that money as the balance to be paid in that month's report and your next creditor is not going to be happy with that.
Consolidating your student loan is also seen in a negative way be the credit reporting companies.
Take care of all the above mentioned issues and have a good credit report and and credit score.
All the best and your feed back is welcome.
Related Post :
My credit check an introduction
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