Your Credit, Credit Report and Credit Score
01. What Creditors Want
When deciding whether or not to grant a loan, creditors look for an ability to repay debt and a willingness to do so. When considering these factors they examine the three Cs of credit-capacity, character, and collateral...
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02. Your Credit Report
If you've ever applied for a charge account, a personal loan, insurance, or a job, there's a file about you. This credit report contains information on where you work and live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy...
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03. Your Free Credit Report
A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free credit report, at your request, once every 12 months...
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04. Your Credit Score
Credit scoring is a statistical method of assessing the credit risk of a loan applicant. It uses mathematical models to evaluate a person's credit worthiness based on their credit history and current credit accounts...
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Credit Score
Frequently Asked Questions: Your
Credit Score
05. Credit Repair
You see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail. You may even get calls from telemarketers offering credit repair services...
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