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Review Your Credit Score
A credit report is a data file that records credit related activities. Whenever you apply for any type of credit, their system will generate a new record which will offer the company that checks on your credit, the following information:
Where you have applied for credit
If you have been approved or turned down for credit
Credit score
Date each credit account was opened
Closed credit accounts
Late payments
Payment history
Your current and past home address
Your current and past employer
This information will also include details about your rental or mortgage payment history.
You would generally have one report from 3 different credit reporting bureaus. Each report would be basically the same. There maybe a few accounts that are not on one or more of your credit reports. The reason why this happens is because when you apply for credit, the average company would send your information to one of the major credit bureaus. The new information may get picked up by the other credit reporting bureaus.
Your Credit Score
Your credit score is used to get an idea of your past payment habits. If you have paid all of your creditor's on time, you would generally be seen as a good credit risk, on the other hand, you would be rated as a bad credit risk, if you were to have a number of late payments on your credit report. You would be rated as a poor credit risk if you have one or more unpaid closed accounts on your record. Order
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