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Credit Reports and Scores

Across
It is extreme important to check your credit report ________ (time) to insure that no fraudulent accounts have been opened in your name
TransUnion, Experian and __________ are credit bureaus, who collect and report information
__________ balance is the unpaid, interest bearing balance of a loan over a period of time
Insurance companies may use this to set the rates you pay
How many years negative information, such as late payments and collection remain on your credit report?
Personal bankruptcy stays on your credit report for _________ years
personal information about any court judgement against you, tax liens on property, or whether you filed bankruptcy are found on
if you find errors on your report, you may _________ a credit reporting agency like equifax disputing the errors and send it along with supporting documentation
Credit reports determine what _________ rate you will be charged for a loan
690 and up constitutes _______ credit
Lenders, insurance , telephone and utility companies, employers and __________________ all look at your credit report
most online banking provides clients with a free credit
Down
Highest credit score
what type of history do lenders look for before they lend to you?
Pay bills on time, keep balances below 50% of available credit, longer you have a particular credit card can ___________ affect your score
You are allowed __________ free credit report every 12 months from each of the credit bureaus
630-689 constitutes _______ credit
Lowest Credit Score
If you pay bills late or incur more debt your credit score may go _________
Each credit reporting agency or bureaus gets its information from ______________ sources.
_____________ for new credit accounts can affect your credit score
Your ____________ is your name, address, full or partial Social Security number, DOB
Credit scores help _________ predict how likely it is that you will repay a loan and make payments when they are due
You are considered this if you have never had a credit card or loan.
300-629 constitutes ________ credit