Make the most of your free Credit Report
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If you order your credit report online youll receive it immedi ... agencies will offer you a free credit report. The alert signals ...
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Make the most of your free Credit ReportPage 12006 EdFund. All rights reserved. EdFund and its associated graphic are registered trademarks of EdFund. All other trademarks are the property of their respective owners. I39 50k 7.2006Make the most of your free Credit ReportWho else can get a copy of my credit report?If you provide written consent creditors insurers employers and other applicable businesses (such as a landlord) have a legal right to access your report. What is a credit score?A credit score is like a test score: the higher the better. The more bad marks on a credit report like a late payment or large credit card balances the more points taken off the credit score. Is my credit score included in my credit report?No. Obtaining your credit score will cost you about $10. For more information on credit scores visit www.myfico.com.Why do I need to know my credit score? If you intend to borrow money you should know how lenders evaluate you as a credit risk. A high credit score means youre a good credit risk and youll be offered better interest rates. You could save tens of thousands of dollars in interest on a large purchase like a home or car. Can I improve my credit score?Yes. Since all credit scores are based on your credit report the best way to improve your score is to make sure that your report is accurate. Take care of errors immediately. If you have late payments high credit card balances and too many open accounts you need to create a spending plan that more realistically matches your income. If you close accounts reduce balances and pay your bills on time your credit score will improve.How can I reduce credit card offers and other solicitations?Call toll free 888.5optoutor visit www.optoutprescreen.com to remove your name from credit card mailing lists. To reduce the number of telemarketing calls for credit cards and other offers register your phone number(s) at www.donotcall.gov. Where can I get more information on money management?Visit the EdFu ...
Source: www.edfund.org
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