St. Patrick Senior Center, Inc.
58 Parsons St.
Detroit, MI 48201-2202
313-833-7080 • 313-833-0128 (fax)
Sharing, Caring and Loving the Elders We Serve Since 1973
Racine Dominicans, Founders
Membership is open to everyone meeting age requirements
E-Mail:
Info@StPatSrCtr.org

FINANCIAL TIPS


YOUR CREDIT HISTORY . . .

ü Shows what debts you have had and how you have managed them

ü Can be used not only for additional or continued credit,
       but insurance and employment

ü Shows payment history for last 24 months

ü Includes “loan to availability” ratio, bankruptcy score, employers, public record information [judgments, divorce bankruptcy], and where you have lived
 

YOU SHOULD KNOW . . .

ü Positive information can stay on forever

ü Negative information stays on for 7 years, bankruptcy for 10 years

ü You can obtain a free report if you have been denied credit

ü There are many companies offering credit reports and credit scores such as “freecreditreport.com” “myfico.com” neither is the free site!
 

TO GET YOUR FREE CREDIT REPORT . . .

The site established to be in compliance with the law where you can receive one free report each year from each of the 3 major agencies, even if not denied credit is:

 
or you can call: 877-322-8228

or you can write: Annual Credit Report Request Service,
P O Box 105281, Atlanta, GA 30348