- Credit Reports Are Different From Credit Scores
Credit scores are calculated using the information on your credit reports, which includes details of your credit accounts, how often you apply for credit, debt collection accounts and some public records, among other
- Your Scores Are Based on 5 Core Factors
Those factors are (in order of importance) payment history, credit utilization, average credit age, account mix and inquiries.
- You Can Get Your Scores & Reports for Free
You’re legally entitled to a free copy of your annual credit report from each of the three major credit reporting agencies: Equifax, Experian and TransUnion. You can get your credit scores for free from various places, including two scores from Credit.com.
- Checking Your Own Score Won’t Hurt It
Only hard inquiries (aka when a lender looks at your credit when you apply for a loan or credit card) have a negative impact on your scores, and the effect is small and temporary.
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Congratulations @usnavydaugherty! You have received a personal award!
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Congratulations @usnavydaugherty! You received a personal award!
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I think the best advantage of such initiatives is that with a low percentage of Americans thriving in credit, it’s time to have a serious conversation. The American struggle is real. Find out what poor credit health really means, and what Credit Repair can do to help their community achieve financial excellence.
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