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Content and general description of blog
by Laura Hendrix - March 12, 2018
It’s one of the best ways to monitor for fraud and identity theft. You’re entitled
to a free annual report from each credit bureau: Experian, Equifax, and TransUnion.
Spread these out throughout the year to regularly check your report. Be sure to use
the correct web address: www.annualcreditreport.com
Your credit report provides a history of your use of credit. You’ll also see personal
information including employment, current and previous addresses. Your credit report
includes information about current and past installment loans and revolving accounts.
Negative information includes late payments, overdue notices, collection agency actions,
bankruptcy, and tax liens. Check your report to make sure that all information is
correct. See something suspicious? Contact the lender and the credit bureau.
A credit report is free but there is a fee for a credit score. Credit scores may vary
among bureaus because they may have slightly different information and may use different
scoring models. Based on information in your credit report, points are awarded for
items that show you are likely to repay debt. Your total number of points equals
your credit score.
Two commonly used scoring models are FICO and VantageScore. FICO scores range from
300 to 850. Most people score in the 600s. If you have a FICO score above 700 you
may qualify for more credit and lower interest rates. A score below 600 could mean
high interest rates, low credit limits, or even denial of credit. VantageScore Models
2 and 3 use the 300 to 850 range. VantageScore Model 1 uses a 501-990 range.