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Credit Reports and Credit Scores

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Your credit rating impacts your mortgage, car payments, credit cards, loans, and more. To ensure that you’re getting fair rates, it’s important to know your credit history and credit score.

What is Credit History?

Credit history is an individual’s history of borrowing and repaying money. Often, it involves a detailed breakdown of information including when you borrowed money, how much you received, when you payed back the loan, and how much of it you have paid back. It also includes details about any late payments you may have had (normally when payments are 30+ days overdue) and whether or not you have gone bankrupt in the past. Major lenders such as banks, credit cards, mortgage companies, and auto loan companies look at a person’s credit history to determine whether or not to lend them money. Lenders may also look at a credit history to determine the interest rate to charge for a person.

What is a Credit Report?

A credit report is a breakdown of a person’s credit history that a lender will use to help determine the amount to lend an individual and at what interest rate. Typically, credit reports will rate a person on their credit worthiness. These reports will be generated by one of the three credit bureaus – Experian, TransUnion and Equifax. The credit bureaus rate each person with a FICO Score between 300 – 900. Our partner, GoFreeCredit, provides access to free credit score reporting.

Benefits of Knowing Your Credit Score

Because your credit worthiness and credit history impacts things like receiving loans and credit cards, knowing your credit score is extremely important. Having good credit will enable you to apply for mortgages and car loans, which contributes to your quality of life. Even smaller things like using a credit card to pay for food depends on your credit rating.By finding out your credit score, you will gain perspective on fair loan rates that reflect your credit score.

Don’t Wait to Get Your Credit Score

What is your credit score? Knowing your score is the first step to regaining control of your finances and achieving your financial goals. Get your score now.