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This figure, a measure of your past ability free credit reports government Indiana to make payments on time and manage your credit, will be free credit reports government Indiana somewhere between 300 and 850, with the average American coming in around free credit reports government Indiana 678, according to Experian’s 2005 National Score Index. If your score is too low (most lenders consider anything below 620 to be "sub free credit reports government Indiana prime," or higher risk) you may free credit reports government Indiana not get the loan you’re free credit reports government Indiana seeking or, if you do, it will likely carry a higher interest rate. With so much riding on this number, it’s important to understand what factors affect it. Unfortunately, there’s a lot of misinformation floating around about credit scores. credit history free
Here are six of the most common myths and the facts to set you straight.
The three major credit bureaus -- Equifax, TransUnion and Experian -- sell their services under different names, but they all use the same formula to arrive at free credit reports government Indiana their numbers. Your score may vary slightly between the bureaus, however, because each has different information in your file. For example, one bureau’s records may go back longer, or a previous lender may have shared free credit reports government Indiana its info with only one bureau and not the other two. Unless the scores are wildly at odds, many lenders will use the one in the middle when they consider your application. Having too many credit accounts can negatively affect your credit score, but canceling them free credit reports government Indiana may not improve it. To measure free credit reports government Indiana your ability to manage debt, credit bureaus look at the amount of credit you’re using compared with free credit reports government Indiana the total amount you have available.
So closing unused accounts reduces your untapped credit and may make you appear overextended.
Closing your oldest free credit reports government Indiana accounts is even worse because the free credit reports government Indiana longer a line of credit is open, the more history you’ve accumulated. credit history check free
If you do close an account, consider closing your newest one and transferring any balance to an older one. When a lender makes an inquiry about your credit, your score has the potential to drop up to five points. For this reason, some borrowers are afraid that comparison-shopping for a mortgage or auto loan will result in multiple deductions. The score is set up to take into account that free credit reports government Indiana even though you are only looking for one loan, multiple lenders may request your credit report (i.e.
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