Your Credit Reports Matter!
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Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application.
- Reviewing credit reports helps you catch signs of identity theft early.
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Your credit score (FICO) is determined using several factors, the most important of which include:
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1. Your payment history (35%)
2. The amounts of money you owe, which is your utilization or the amount of debt you owe compared to your credit limits (30%)
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4. Length of your credit history (15%)
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5. The amount of new credit you have (10%)
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6. The mix of different types of credit you carry (10%)
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FREE Credit Reports.
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Federal law allows you to:
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- Get a free copy of your credit report every 12 months from each credit reporting company.
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- Businesses use credit scores to estimate how likely you are to pay back loans or services. People with higher credit scores may be more likely to pay back their debts.
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Ensure that the information on all of your credit reports is correct and up to date.
- How do I check my credit report?
Because your FICO® Score is based on the information in your credit report, it is important to make sure that the credit report information is accurate. You may get a free copy of your credit report once every 12 months. To request a copy of your credit report, please visit: https://www.annualcreditreport.com or you can request a free copy from each of the three major consumer reporting agencies including Equifax. Please note that your free credit report will not include your FICO® Score.
Request your free credit reports
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- Get unlimited access to your credit score and 0% Intro APR for 15 months from account opening on purchases.
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- EARN $200 CASH BACK after you spend $500 on purchases in your first 3 months from account opening.
Apply and Save on Interest.