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What Are Credit Scores?

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It Is Your Right and a Responsibility That You Owe Yourself to Know What the Credit Rating Services Are Saying About You! Know, understand and use the law to better your position. If you have been told, in the past that you are being denied a loan or credit because of an agency's report on your credit history you are entitled by law to see that report and pay nothing for it. Further, if you believe you have been the victim of credit fraud, of any kind, you are allowed access to your report on a one-time basis per year.

So How Does This Credit Scoring Work?

All three of the credit bureaus in America collect any and all information that pertains to your credit history and health. How and when you pay, if you have ever defaulted on or disputed payments and even if your credit cards have been stolen or lost are all on your record, automatically. They then take this information, and using a specific formula, they will then arrive at your credit score.

All The Elements That Are Pertinent to Your Credit Score Are:

  • A Poor History of Payment
    Plain and simply, have you been timely and fulfilled all of your credit terms in the past. You have never declared bankruptcy or had a vehicle or home repossesed.

  • Are You Near the Maximum Level on Your Current Credit Accounts? Do not keep your credit card balances too high or near to their limit.

  • Do You Have a Short or Non-existent Credit History?
    Once again as it is stated, no prior credit or a very recent credit history is going to work against you.

  • Have You Been Seeking Financing in too Many Places?
    Constantly looking for financing can also send up a red flag and affect your report score.

  • The Amount of Credit Card Accounts Is Another Factor.
    It is more advantageous for you to have a few well balanced and consistent accounts than a couple that are near to their limits.

  • Too Much Credit Can Also Be Detrimental to Your Credit Score's Health.
    Most lenders will look at an abundance of credit accounts and loans as a deterrent to issuing you any further credit and thus increasing your responsibilities and the possibility of you defaulting.

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