Your credit score is a numeric value assigned to you by 3 different credit reporting agencies that indicates to a lender your capacity to repay a long.
Your credit score can and will be different at each of the different credit reporting businesses.
What factors effect your credit score?
– Number of credit inquiries
– Length of credit history
– Any reported delinquent credit payments
– Total amount of credit
– Credit utilization – How much of your credit line you have actually used
– Different types of credit
Where can I get a copy of my current credit report?
– Experian
– Equifax
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