scores are being used for everything these days, including
mortgages, credit cards, insurance, and even employment decisions.
Your credit score can be the number one thing that causes a credit
company to say "yes" or "no" to your credit
application. Along with the credit report, lenders also review
your credit score which is based on the information in your credit
report. While a credit report can be considered your detailed
financial history, a credit score is an objective summary of that
information. It is also important to know what your score is.
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is the National Score index?
a part of Experian's commitment to educate consumers about credit,
the company has created the Experian National Score Index through
NationalScore.com. Formulated using the Experian-developed PLUS
Score, the Experian National Score Index
is designed to give consumers a better understanding of how their
credit compares to that of other U.S. consumers. In addition, as
the economic environment changes, the Experian National
Score Index will offer insight into the changes in
consumer financial behavior on a national, regional, state, and
do the credit bureaus obtain information?
bureaus obtain identification and credit information from credit
grantors, such as banks, retailers, and collection agencies. Bureaus
obtain monetary-related public record information directly from the
long do the credit bureaus keep my credit information?
credit bureaus keep your personal credit history for a period of
approximately ten years.
or Inactive Accounts - 10 years from the date of last activity.
Accounts - 7 years from the date of original delinquency.
Records - 7 years from the date of payment or indefinitely if the
Public Record is an unpaid tax lien.
7 Bankruptcies - 10 years from date filed.
do I dispute inaccurate information on my credit report?
You have the right to dispute any misinformation on your
credit report. You should begin the dispute process by contacting the
creditor responsible for the inaccuracy. The contact information for
each of your creditors is listed at the end of your credit
can also dispute inaccurate information directly with the credit