FREE Credit Report

A Credit Report is evidence of an individual's ability to borrow and repay a loan. It also includes information on when they made late payments and if they have any bankruptcies. Your credit reputation is dependant on holding up your end of borrowing money and paying it back by the date required.

Every time you complete an application for a loan from any credit provider, your information is quickly reviewed against a credit bureau, for past history with them, your prior addresses, and any other requests for credit you have made within your lifetime.

In short, a Credit Score is your report card that is used for the rest of your life to determine if somebody should let you have a loan, a credit card or anything that requires a pull from your credit history. Based on your history they will figure out how much you can borrow, at what rate to lend you the money and how quickly you have to pay them back. A lender is in business not to give you the best rate but to make money on your ability to manage yourself and your spending habits. Knowing your credit score is one of the most important things in your life. Ignoring the importance of your credit score will cost your thousands of dollars over you life. Be prepared for any major purchase you make by having your credit score ready to help negotiate the best rate.

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