Privacy

Legal

Free site submit






 

If you've ever applied for a credit card, personal loan, or insurance, there's a credit report about you. It is full of information on where you live, how you pay your bills, and whether you've been sued, or filed for bankruptcy. Consumer credit reporting agencies sell the information in your credit report to creditors, insurers, employers, and other businesses with a legitimate need for it. They use the information to evaluate your application for loans, credit cards, insurance, employment, and real estate. Direct Credit

What is Bad credit?

Bad credit is when negative listings on your credit report cause low credit score. This may cause you to be denied for credit or qualifying only if you pay higher interest on purchases, credit cards, and home loans.  This may be because of poor performance in your credit history, incorrect information, credit fraud or identity theft. The best defense is to check your credit report frequently and dispute inaccuracies. Bad Credit Information -  Improve Credit Report - Raise Fico Credit Score

Turned down for credit

If you've been declined credit in the past and don't understand the reason, it may be time to review your credit report. There may be listings on your credit report that are not yours, that are paid and show delinquent, or an account you thought you paid and hadn't. A US government report suggests you check your credit report once a year! Credit experts profess even more frequently! Prevent Identity Theft loss! Review your credit report now! Free credit report
 

ChexSystems Blog