Items included on a credit report - ANSWER Identification
Account history
Public records
Inquiries
Consumer Statements
How to get your credit report - ANSWER 1) Free copy
Annualcreditreport.com
2) call Equifax, Transunion, or Experian
3) Call 1-877-322-8228
How to correct errors - ANSWER Request a copy
Initiate a dispute
Verify Updates
Contact a lender
Add a consumer statement
Building positive credit history - ANSWER Live within budget
Complete applications accurately
Pay bills on time
Minimize accounts
Keep low credit utilization
Show stability
Hard vs soft inquiries - ANSWER Hard: when you initiate an inquiry--
AFFECT
ex. apply for a loan or request a copy
Appears as "Requests viewed by Others"
Soft: Initiated by others--DOESN'T AFFECT
ex. preapproved offers, account monitoring
Appears as "Requests viewed by You"
What is a credit score - ANSWER Number which summarizes your
credit history and
Account history
Public records
Inquiries
Consumer Statements
How to get your credit report - ANSWER 1) Free copy
Annualcreditreport.com
2) call Equifax, Transunion, or Experian
3) Call 1-877-322-8228
How to correct errors - ANSWER Request a copy
Initiate a dispute
Verify Updates
Contact a lender
Add a consumer statement
Building positive credit history - ANSWER Live within budget
Complete applications accurately
Pay bills on time
Minimize accounts
Keep low credit utilization
Show stability
Hard vs soft inquiries - ANSWER Hard: when you initiate an inquiry--
AFFECT
ex. apply for a loan or request a copy
Appears as "Requests viewed by Others"
Soft: Initiated by others--DOESN'T AFFECT
ex. preapproved offers, account monitoring
Appears as "Requests viewed by You"
What is a credit score - ANSWER Number which summarizes your
credit history and
