#my free credit report
Free Credit Score: Start Here
Your Credit History
Your credit history starts as soon as you first borrow money or apply for credit. When and how much money you borrowed and repaid, late payments (commonly 30+days overdue) and even past bankruptcies are all information collected in your credit history. Your ‘credit worthiness’ is established from your credit history. Major lenders including credit card companies, banks, auto loan companies, and mortgage companies all make use of your credit history in deciding whether or not to give you credit and at what interest rate if so.
Keep Informed of Your Credit Report
Your credit report summarizes the descriptive details of your past financial transactions found in your credit history. Your credit report influences lenders in determining how much is lent to you and at what interest rate. Your credit worthiness is indicated by a credit score or rating, which usually accompanies your credit report. TransUnion, Experian and Equifax are major credit bureaus that generate these credit reports. FICO scores between 300-900 are assigned to each person.
What Your Credit Tells AR Companies
Many of your life decisions may be influenced by your credit in AR. Your credit history and credit worthiness is assessed when you are involved in financial matters from applying for a credit card to qualifying for a mortgage. Lenders decide if you should be approved for credit or not by looking at your credit. Good credit is crucial.