History credit report Lexington

This is so that you can verify that history credit report Lexington your report does not contain any history credit report Lexington false information, and so you can see how your credit rates. Getting your annual free report is as easy as going to the authorized source, www.annualcreditreport.com and requesting one. Once you have your free report, what in the world do history credit report Lexington all those abbreviations, numbers and codes mean?!

The most widely used system for scoring is the FICO score, developed by The Fair Isaac Corporation, and the number determines the risk to extend credit to an individual. check your free credit report Credit reports are usually divided into sections; identifying information, public records, credit history, and inquiries to your credit report from creditors looking to extend you credit based on your credit score. The identifying information includes your name, address, and social security number. Usually this section history credit report Lexington will also include a list of your previous addresses, your date of birth, phone number, spouses name, employers information. free instant credit report online The public records section is the section you hope has no information. This is where a bankruptcy or judgment would show history credit report Lexington up on your report, and it will harm your rating more than anything else on the report, and history credit report Lexington take longer to repair. It will list every creditor youve ever had business with, including accounts that have been closed and those that remain open with no balances, and accounts that you are currently making payments on. Depending on which credit reporting agency you get your report from, this section will actually be displayed differently on each report. check credit report Experians report displays it in english, and states history credit report Lexington everything in common sense terms, like pays on time, pays 30 days late, etc. Reports from other agencies might use numerical codes in a table that you have to refer to another page to find out what each code means.