Credit Report

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A report that calculates and scores a person’s creditworthiness

Your credit report is a statistical evaluation of your creditworthiness.  It examines your credit history based on a number of factors including:

  • The amount of debt you have
  • Length of credit history
  • Identity of creditors
  • Amount of credit extended
  • Repayment history
  • Number of late payments
  • Number of missed payments
  • Bankruptcy filings
  • Public records (judgments, liens, foreclosures)

If you are denied credit, the law requires that you be entitled to a copy of your credit report and the basis for the denial.

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