Credit-Score-Reports.com

Credit-Score-Reports.com

Credit Report Obtaining your Credit Report Your Rights As A Consumer What Is Credit Scoring FICO® Scores Know Your Credit Bureaus Raising Your Credit Score Your Past Credit Paying Old Debts Closing - Adding Accounts Credit Report Inquiries About Bankruptcy Credit Repair Companies Monitor Your Credit Report Analyzing and Disputing Some Do's and Don'ts Improving Your Credit Score Reviewing your Credit Report The Dispute Process Letter Statements Letter Statements 2 Letter to Inquiring Creditors Settling Debts Overwhelmed Solution Resources

Disclaimer: For Legal reasons, this website provides general credit report information only.  Please consult with a financial attorney or credit advisor to discuss any legal or financial issues involved with these or any credit decisions. Information here is not to be taken as legal advice.

Your Credit Report

What Is Credit Scoring? Your credit or FICO score is a number that is generated based on your credit report. FICO scores are your credit rating, ranging from 300 to 850. Most lenders base approval on them. You have three FICO scores, one for each credit bureau and the resulting number is a prediction of how likely you are to pay your bills. The higher the number, the better you look to lenders. Highest scores get you instant approvals and the lowest interest rate. Credit scoring is a system being used by creditors without your credit report. You score can solely determine whether to give (or not) an instant approval for loan or credit. But in addition, creditors may also examine your credit reports past history to evaluate how promptly you pay your bills. Other factors may be looked at such as your income, years at current employment or whether you own a home. The credit scoring system awards points for each factor contained in your credit history. It reflects upon how you pay your bills, how much available credit you have and anything else that may affect your creditworthiness. You credit score reflects all that information in a three digit number, where creditors can see your creditworthiness at a glance.

"I couldn't believe it! I checked over my credit report and found an error from an issue I thought I had worked out years ago. By using your information I was able to clear it up and could then get that loan I wanted at a lower interest rate than previously expected"

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