Free credit report access New Hampshire

Getting your annual free report is as easy as going to the authorized source, www.annualcreditreport.com and requesting one. Once you have your free report, what in the world do all those abbreviations, numbers and codes mean?! The most widely used system for scoring is the FICO score, developed by The Fair Isaac Corporation, and the number determines the risk to extend credit to an individual. Credit reports are usually divided into sections; identifying information, public records, credit history, and inquiries to your credit report from creditors looking to extend you free credit report access New Hampshire credit based on your credit score. The identifying information includes your name, address, and social security number. Usually this section will also include a list of your previous addresses, your date of birth, free credit report access New Hampshire phone number, spouses name, employers information. The public records section is the section you hope has no information. This is where a bankruptcy or judgment would show up on your report, and it will harm your rating more than free credit report access New Hampshire anything else on the report, and take longer to repair. about credit reports It will list every creditor youve ever had business with, including accounts that have been closed and those that remain open with no balances, and accounts that you free credit report access New Hampshire are currently making payments on.

Depending on which credit reporting agency you get your report from, this section will actually be displayed differently on each report. Experians report displays it in english, and states everything in common sense terms, like pays on time, pays 30 days late, etc.

Reports from other agencies might use numerical codes in a table that you have to refer to another page to find out what each code means. Either way, make sure you agree with each creditors reporting of you since this is how your score is determined. 3 free credit scores

If you have accounts that you dont have the credit cards for anymore, or a loan that has been paid off but remains on your report as a revolving credit (money available to you as you pay it down), call and write each company to ask them to close the account completely and report that to the credit agencies. Otherwise, it appears that you have all of that money available to you, and that goes against your debt to income ratio. The section called inquiries, and it includes a list of everyone who free credit report access New Hampshire has ever looked at your report. This will include credit companies youve contacted to request a credit free credit report access New Hampshire card or loan, but it will also include what is considered soft inquiries. Soft inquiries are free credit report access New Hampshire any promotional offers, such as a retail store checking into your credit history to determine whether or not to mail you an offer for their credit card. Soft inquiries do not harm your overall credit score. You can also get a copy of a credit report any time youve been denied credit. check credit history This is because there is always the possibility that there are errors in your report, which prevented you from obtaining the credit you applied for. Regardless of how you get your report, take the time to look it over and find any discrepancies (immediately call the creditors in question and straighten it out) and close out any accounts that you no longer use but are showing open and available to you on your credit report.