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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February 15, 2002: 4:14 p.m. ET - By Staff Writer Jeanne Sahadi (money.cnn)
If you want the best loan, make sure your score is the best it can be.
NEW YORK (CNN/Money) - You may be out of school, but that doesn't mean you're free from report cards. In fact, if you want to buy a house, a car or any other big-ticket item, a lender will look up your "grade" as soon as you come knocking. That grade is your Credit score.
Generally speaking, a Credit score measures the likelihood you'll repay what you owe, and it is based on information in your Credit Report. The rewards of raising your score speak directly to your wallet: You'll qualify for more loans and be offered better interest rates.
There are many varieties of Credit scores available to lenders. But the most widely used for large loans are FICO scores, which are based on a scoring system developed by Fair, Isaac & Co., and which are provided to lenders by the three national Credit bureaus - Equifax, Experian and TransUnion. Consumers may now get their FICO score or a comparable version of it from each of the bureaus. It pays to review these scores at least three to six months before shopping for a loan so you'll have time to improve your standing before approaching a lender. Following are five things you can do to boost your creditworthiness, plus more information on obtaining your personal score.
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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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Why a 10-Point Drop in Your Credit Score Doesn't Matter
U.S. News & World Report (blog)
If taking out a balance transfer could help you dig out of debt faster, a personal loan for home renovations could increase your house's value in a sale or refinancing student loans could save you thousands in interest – take the credit score drop! A ...
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Get your credit score ready for home-buying season
Times Herald-Record
But there also are websites that offer free versions of your score year-round. A recent version of your credit report will show you where you stand in terms of creditworthiness. The report should also spell out what you need to do to improve your score.
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