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How to Tell If You Have a Credit Score

Credit Corp

These scores are determined by financial records that various credit reporting agencies collect and maintain, including your payment history, credit balances and bankruptcies. While many factors go into using this ratio to determine your credit score, most lenders prefer to see this number sit under 30%.

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Who Are the Major Credit Reporting Agencies?

Credit Corp

Lenders can access reportswith consumer permissionto evaluate someone for a loan or other financial opportunity. If you have negative items on your credit history, the lender may not approve you for credit or might do so at a higher interest rate. Tradelines include credit cards, bank accounts, mortgage lenders, and other creditors.

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