Credit report and free Houston

Worse, you could be the unknowing victim of identity theft. Either way, your credit scores could be destroyed and you wouldn't even know it unless you had reason to use your credit. Keeping a close eye on your credit is a smart money credit report and free Houston move... so request your free credit report today you wont be sorry!

A credit report and free Houston credit report is divided into four sections: Identifying information, credit history, public records and inquiries.

Identifying information: Well, just credit report and free Houston thatinformation to identify you. Heres where you will find your name, social security number, address, date of birth, drivers license number, employer and even your spouses name. Your mortgage, car, credit cards, student credit report and free Houston loans, charge offs, collections and on time or late payment history.

Each account entry will include the name of credit report and free Houston the creditor along with the scrambled account number for security purposes. Installment loans such as mortgages and auto loans or revolving accounts like credit cards and department store cards. This is the last date that this creditor reported activity. The credit limit or total amount of the loan along with highest balance. Whether or not the payments are fixed or theres a minimum monthly amount. credit reporting free Payment history--on time or number of times past 30 days. Whether the account is in your name alone or with another person. Public records section is where youll find bankruptcies, judgments and tax liens.

Hard inquiries are those that were initiated by you filling out a credit report and free Houston credit application. Soft inquiries are a credit report and free Houston result of current creditors pulling your report credit report and free Houston to either send promotional offers or to simply monitor your account. The biggest rumor here is that a large number of inquiries can lower your credit score. The credit scoring system allows you to shop for loans within a credit report and free Houston certain time period. For example, two credit report and free Houston hard inquiries within the same two week period are only counted as one. free credit and report After looking at thousands of credit reports over the past decade as a mortgage professional its second nature for me to scan a credit report and see it all. For the consumer thats looking for the first time, it can be very frustrating. Get your free credit report at Credit Score Cowboy.

If you have any questions about the report shoot me an email at john.rasor@creditscorecowboy.com Happy trails! How long will negative information stay on my credit report? You know that your credit score is based on your money credit report and free Houston management history - and if you'credit report and free Houston re working hard to rebuild your rating, it can be very frustrating to see the same old negative information showing up on your credit report. Unfortunately, there's not a lot you can do except wait it out. Your new, good habits will show up, and that will help your score, but the old stuff will remain for a while. A bankruptcy will stay on your credit report for 10 years, which will seem like an eternity until you're looking back at it. Other credit report and free Houston negative information generally stays for 7 years, unless you can get the creditor to give you a letter to delete an item.

An unpaid tax lien will stay there until 7 years credit report and free Houston after the paid date. 1 free credit report Of course, if you've proven to the credit bureaus that an item was in error, that will be removed immediately. Public Records bankruptcies, court and default judgments, liens, and foreclosures. Late payments listed as 30 days late, 60 days late, 90 days late, and 120+ days late.

Charge offs Accounts that are in default and which the creditor has charged off and reported as a loss. Collections An account that has been turned credit report and free Houston over to a collection agency. After the "credit report and free Houston bad stuff" your credit report will list all your accounts in good standing. We don't know the exact formula FICO uses to compute your score, but we do know that the credit report and free Houston more accounts in good standing, the better.