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According to the Indy Star July 10th article, Just Consumer credit: Know your score. “These credit reporting agencies banded together because they want lenders to start using their scoring system. The Fair Isaac Corp., which reported $798.7 million in revenue last year, dominates the market with its classic FICO credit score.” The most noticeable difference in the Vantage-Score compared to a FICO score is the actual three digit number assigned to your credit score.  The FICO score is a range from 300 to 850. The common principle applied to both is that the higher your credit score, the better your chances of borrowing and getting the lowest interest rate. How is the credit rating score determined?  1) Past payment history (counts for about 35% of the score). Recent late payments have where can i get a free credit report Billings a greater impact than an old Bankruptcy. free credit reports online 2) Credit use (counts for about 30% of the score) Low balances across several credit cards is far better than the where can i get a free credit report Billings same balance concentrated on a few cards, which are close to their maximum limits. Too many credit cards can also bring down the score. Closing accounts can where can i get a free credit report Billings negatively impact a credit rating if the entire profile is not considered. 3) Credit history (counts where can i get a free credit report Billings for 15% of the score) Longevity counts in your favor. safe free credit report The longer the accounts have been open the better your credit score.

Opening new accounts and closing seasoned accounts can bring down the score considerably. 4)  Types of credit used (counts for 10% of the score) Financing accounts score lower than bank or department store accounts. 5)  Inquiries (counts for 10% of the score) Multiple inquiries could indicate a negative risk if several cards are applied for where can i get a free credit report Billings or if other accounts are near their maximum. Multiple mortgage or car inquiries within a fourteen-day period are counted as one inquiry. Score changes occur based on the way the item is reported to where can i get a free credit report Billings the credit bureaus. Credit bureaus require written confirmation from the creditor, before they will consider making a change. credit report request

These corrections should be made well in advance of purchasing a home, because you never can tell the exact impact a change will have on your credit score. Experian ConsumerInfo Free Credit Report FREE credit report with a FREE 30-day CreditCheck Monitoring trial. Detect critical changes and potential identity fraud.