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Frequently Asked Credit Questions

获取答案,您需要常见关于管理您的信用的问题。

Get Your Credit
报告和分数

Question: What is a Credit Report?
回答:
Your credit report is a record of your credit activity and history. It includes the names of companies that have extended you credit and/or loans, as well as the credit limits, loan amounts and your payment history. You can think of it as your financial resume; it tells the story of your financial health to potential lenders.

问题:我应该在信用报告中寻找什么?
回答:
Check out our infographic that explains如何阅读您的信用报告以及您应该验证的信息。如果您认为您的信用报告中的任何细节不准确,您可以Betway Sports

Question: How can I get my free credit report?
回答:
事实行为使每个消费者都有资格获得每12个月每12个必威娱乐官网国家信用报告机构的信用报告的免费副本。现在,Tr必威娱乐官网ansunon很高兴通过2021年4月在线提供免费的每周信用报告,是我们在Covid-19健康危机期间和之后支持所有美国人的承诺。立即获取您的免费报告allycreditreport.com.

查看您的信用报告定期帮助您确保报告的信息准确,并为您提供监控您的帐户历史的机会,以打击潜在的身份盗窃。bet way官网

问题:信用报告和信用评分之间有什么区别?
回答:
A credit report shows a listing of your credit history. A credit score represents what's in the credit report, shown by a number typically between 300 and 850. There are many different types of credit scores, and it's normal to have more than one. Lenders and credit reporting agencies use varying scoring models to calculate credit scores, and the score you view may not be the score used by a particular lender. TransUnion uses the VantageScore® 3.0 credit score.Get more information about VantageScore

问题:将检查我的信用报告伤害我的credit score?
回答:
Checking your own credit report won't hurt your score because it's considered a soft inquiry. A soft inquiry is a more routine check that does not affect your credit score and is generally only seen by you. Learn more about thedifference between soft and hard inquiries

问题:我的信用评分如何计算?
回答:
使用信用报告中的信息计算信用评分,因此信用评分可以随着报告中的信息而变化。有许多不同类型的信用评分,并且有多个以上是正常的。分数可能有所不同,具体取决于您在计算得分的比分申请或在哪个日期的信用。必威娱乐官网Transunion使用VantageCore®3.0信用评分。Get more information about VantageScore

通常,评分模型使用占六个主要类别的信用报告信息来计算信用评分:

  1. 支付历史。This shows your level of responsibility as a borrower–have you been making payments on time?
  2. Amount of credit owed.Add up all your credit balances and you get this number, which gives an indication of how much you're borrowing.
  3. Credit utilization.您使用了多少可用信用额度?你靠近最大限度吗?
  4. Length of time you've been using credit.How established is your credit? Do you have a lot of experience using credit?
  5. 新信用。It factors in new accounts and credit inquiries (authorized requests for your report from lenders).
  6. 信用组合。您是否有管理不同类型信用的经验?

Question: What impacts my credit score the most?
回答:
ca的付款历史是最重要的因素lculating your credit scores because it shows how you've managed your finances, including whether you've made any late payments. Your credit history is also very important as it demonstrates how long you've been managing your accounts, when your last payments were made and any recent charges.

问题:负面信息持续多长时间留在我的信用报告中?
回答:
Typically, the negative information on your credit report falls off 7 years after the date of first account delinquency. Bankruptcy information remains on your report for up to 10 years from the date filed, but it can be less depending on the type of bankruptcy.

Positive information remains on your report for up to 10 years from the date of last activity on the account. This information applies to installment accounts like mortgages and car loans, which are the types of agreements that have fixed terms on the number of years for repayment. For revolving accounts, such as credit cards, your positive history will stay on your report for as long as the account is active.

问题:如何对我的信用报告争取信息?
回答:
如果您认为您的信用报告中的某些东西不准确,您可能希望联系贷方或公司报告的信息,以便为您提供更多细节。您还可以与发出报告的信用报告机构开始争议。与Transunion开始争议的最快和最简单的方法是必威娱乐官网Betway Sports

迈向金融健康的下一步
得到你的信用
报告和得分

你需要知道什么:

有各种类型的信用评分,贷款人使用各种不同类型的信用评分来进行贷款决策。您收到的信用评分基于Vantagescore 3.0模型,可能不是您的贷方使用的信用评分模型。

*订阅价格为每月24.95美元(加上适用的税款)。