Credit report - Free online credit report - Online credit report - Credit report repair - Free credit report - Credit bureau report - Consumer credit report
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To better understand the issues relating to your legal situation or problem, our legal information and other law related facts may be of interest to you
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Most important factors in determining a Credit score.
Typically, your Credit score is most influenced by two factors: how you pay your debts and how much debt you owe. For example, late payments on loans, a past bankruptcy, debt collections or a court judgment ordering you to pay money as a result of a lawsuit will negatively affect your Credit score.
Lenders want to be sure that the debt you owe is manageable. One example: Lenders get concerned if you have a significant amount of debt compared to your income—say, if what you owe each month on all loans and credit cards exceeds one-third of your monthly income.
Other factors that can affect your Credit score include how long you've used credit, how often you've applied for new credit and whether you've taken on new debt.
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Return to all Credit Report legal information
Legal Articles about Credit Report
Credit Report Frequently Asked Questions
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Credit report correction techniques
Many times the credit bureau is busy and does not handle your dispute properly ...
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Basic rights under The Fair Credit Reporting Act
All Federal Laws are in consumer's favor and you will have the advantage ...
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Credit Scoring and the Lending Industry
Credit scoring is crucial to your ability to get a loan. When you apply for a mortgage, your lender ...
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Yet another 'Black Mirror' episode is becoming reality
Shortlist
Sure, the 'Black Mirror' creator's prediction of the Prime Minister getting intimate with a pig might have just been a lucky guess, but with every prediction coming true we get the impression Brooker might know more than he's letting on. The 'Brass ...
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Raise your credit score fast with this easy, 5-step checklist
Weekly Challenger
After paying your balance on time, which is the main factor determining your credit score, the second most important factor is your credit utilization ratio, which is lesser known. More than 40% of young consumers said they thought a high credit ...
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