Credit scores and reports are important indicators of your financial health. They play a vital role in your financial life, as such, acquiring the knowledge of how to maximize your credit reports and scores is critical. Also, knowing that credit score follows you forever and plays a huge role in major financial situations you’ll find yourself in your life, placing adequate focus on it is essential.
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A credit report is a detailed report that shows the history of your bill payment, the loans you’ve acquired, current debt, and credit cards used. In other words, it is the record of your credit activity and credit history. A credit report may include:
The list of companies or lenders that have given you individual credit or loans
The amount of each loan obtained or credit limit for each credit card
How often you pay credit or loans, and the amount paid
Companies that have requested your credit report over a certain period
Personal identifying information e.g. address, employer, etc.
Your Credit Report May be Requested Request by The Following:
Lenders
Mortgage Companies
Insurance Companies
Landlords
Collection Agencies
Judgment Creditors
Entitles that have a court order, etc.
Want to Hire a Reliable Credit Expert Witness for a Court Case?
Credit Score is a three-digit number that is based on the information in your credit report. The higher your credit score, the better it is. Credit score changes constantly to reflect the performance of a credit report. Many lenders consider the credit score of borrowers before approving loans, as it helps to determine the likelihood of a consumer repaying a debt responsibly.
Your Credit Score May be Requested by The Following:
Banks
Loan Lenders
Credit Card Companies
Retail Stores, etc.
Learn More about Your Credit Information
The Credit Agents is dedicated to helping individuals learn more about consumer credit reporting, consumer credit scoring, and how to fix or repair their credit. If you’ll like to learn more about this, please feel free to reach out to Joe Chavarria at 832-293-8389