Find out credit score
Your Credit History
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What is a credit history?
What is a credit report?
- your name, address, and Social Security number
- your credit cards
- your loans
- how much money you owe
- if you pay your bills on time or late
Why do I have a credit report?
Businesses look at your credit report to learn about you. They decide if they want to lend you money, or give you a credit card. Sometimes, employers look at your credit report when you apply for a job. Cell phone companies and insurance companies look at your credit report, too.
Who makes my credit report?
Can I see my credit report?
- call Annual Credit Report at 1-877-322-8228 or
- go to AnnualCreditReport.com
What is a credit score?
Do I need to get my credit score?
It is very important to know what is in your credit report. But a credit score is a number that matches your credit history. If you know your history is good, your score will be good. You can get your credit report for free.
It costs money to find out your credit score. Sometimes a company might say the score is free. But if you look closely, you might find that you signed up for a service that checks your credit for you. Those services charge you every month.
What if I do not have credit?
How do I get credit?
- Sometimes, utility companies put information into a credit report. Do you have utility bills in your name? That can help build credit.
- Many credit cards put information into credit reports.
Why is my credit report important?
If you apply for one of these, the business wants to know if you pay your bills. The business also wants to know if you owe money to someone else. The business uses the information in your credit report to decide whether to give you a loan, a credit card, a job, or insurance.
What does “good credit” mean?
- I have more loan choices.
- It is easier to get credit cards.
- I pay lower interest rates.
- I pay less for loans and credit cards.
- I have fewer loan choices.
- It is harder to get credit cards.
- I pay higher interest rates.
- I pay more for loans and credit cards.
- I have no bank loan choices.
- It is very hard to get credit cards.
- I pay high interest rates.
- Loans and credit cards are hard to get and cost a lot.
Why should I get my credit report?
- You might find somebody’s information in your report by mistake.
- You might find information about you from a long time ago.
- You might find accounts that are not yours. That might mean someone stole your identity.
Where do I get my free credit report?
What should I do when I get my credit report?
If there is wrong information in your report, try to fix it. You can write to the credit reporting company. Ask them to change the information that is wrong. You might need to send proof that the information is wrong – for example, a copy of a bill that shows the correct information. The credit reporting company must check it out and write back to you.
How do I improve my credit?
Look at your free credit report. The report will tell you how to improve your credit history. Only you can improve your credit. No one else can fix information in your credit report that is not good, but is correct.
- Pay your bills by the date they are due. This is the most important thing you can do.
- Lower the amount you owe, especially on your credit cards. Owing a lot of money hurts your credit history.
- Do not get new credit cards if you do not need them. A lot of new credit hurts your credit history.
- Do not close older credit cards. Having credit for a longer time helps your rating.
How does a credit score work?
There are different credit scores. Each credit reporting company creates a credit score. Other companies create scores, too. The range is different, but it usually goes from about 300 (low) to 850 (high).
What goes into a credit score?
- how many loans and credit cards you have
- how much money you owe
- how long you have had credit
- how much new credit you have
It is very important to know what is in your credit report. If your report is good, your score will be good. You can decide if it is worth paying money to see what number someone gives your credit history.