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Credit Report and Score<br>Related Legal Information  

Credit Report and Score
Related Legal Information

To better understand the issues relating to your legal situation or problem, our legal information and other law related facts may be of interest to you

 
 

Credit score is very important.


A Credit score is a number calculated by a Credit bureau, a lender or another company intended for use in making a decision on a loan application or other product or service. (For example, many lenders use a system developed by Fair Isaac and Company called the "FICO score.") Think of credit scoring as a point system based on your credit history, designed to help predict how likely you are to repay a loan or make payments on time. Everyone with a credit record also has a Credit score. Different lenders and other companies may use different scoring systems, so your score (and the products or services you're offered as a result) may vary significantly from one source to another.
 
In general, the better your Credit score the better your chances are of getting a loan with an attractive interest rate. Alternatively, a poor Credit score may mean you can only qualify for a "sub prime" loan - one with a higher interest rate and higher fees than those offered to applicants with "prime" credit records. So when it comes to getting a good loan, it's important that your Credit Report - the basis for your Credit score - is accurate, complete, and in the best shape possible.
 
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Credit report correction techniques  

Credit report correction techniques

Many times the credit bureau is busy and does not handle your dispute properly ...
Basic rights under The Fair Credit Reporting Act  

Basic rights under The Fair Credit Reporting Act

All Federal Laws are in consumer's favor and you will have the advantage ...
Credit scoring and the lending industry  

Credit Scoring and the Lending Industry

Credit scoring is crucial to your ability to get a loan. When you apply for a mortgage, your lender ...

Your Money Matters: Understanding your credit score

WGN-TV
Credit history – the length of your credit history is also very important. Improving your credit score is not going to happen overnight. However, the credit bureaus are constantly updating their files every month – credit card companies and lenders are ...
Your Money Matters: Understanding your credit score

7 Ways to Build and Improve Your Personal Credit Score

Yahoo! Maktoob News
Utilization ratios are very important to credit reporting agencies. “Utilization” refers to how much of the available credit a consumer is using on a credit card. Using more than 50 percent of your available credit on a card can negatively impact your ...
7 Ways to Build and Improve Your Personal Credit Score
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