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