Creditscore
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A credit score is a number that summarizes a person's credit history and predicts their likelihood of repaying future loans. The three main credit reporting agencies are Equifax, Experian, and TransUnion. VantageScore is a generic credit score that ranges from 501-990, with higher numbers indicating better credit risk. A credit score considers information from a person's account history, public records, and credit inquiries.
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Need Credit or Insurance?
Your Credit Score Helps Determine What You’ll Pay
Information about you and your credit experi-
ences, like your bill-paying history, the number
and type of accounts you have, whether you pay
your bills by the date they’re due, collection actions,
outstanding debt, and the age of your accounts, is
collected from your credit report. Using a statisti-
cal program, creditors compare this information to
the loan repayment history
of consumers with similar
profiles. For example, a
credit scoring system awards
points for each factor that
helps predict who is most
likely to repay a debt. A
total number of points — a credit score — helps
predict how creditworthy you are — how likely it is
that you will repay a loan and make the payments
when they’re due.
Some insurance companies also use credit re-
port information, along with other factors, to help
predict your likelihood of filing an insurance claim
and the amount of the claim. They may consider
these factors when they decide whether to grant
you insurance and the amount of the premium they
charge. The credit scores insurance companies use
sometimes are called “insurance scores” or “credit-
based insurance scores.”
July 2007
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been using credit scoring systems to determine if
you’d be a good risk for credit cards, auto loans,
and mortgages. These days, many more types of
businesses — including insurance companies and
phone companies — are using credit scores to decide
whether to approve you for a
loan or service and on what
terms. Auto and homeown-
ers insurance companies
are among the businesses
that are using credit scores
to help decide if you’d be a
good risk for insurance. A higher credit score means
you are likely less of a risk, and in turn, means you
will be more likely to get credit or insurance — or
pay less for it.
The Federal Trade Commission (FTC), the
nation’s consumer protection agency, wants you to
know how credit scoring works.
What is credit scoring?
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to help decide the terms you are offered or the rate
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This document provides an overview of credit scores, credit reports, identity theft, and tips for improving your credit and protecting your identity. It defines FICO credit scores and their typical ranges, explains what factors make up a credit score, and gives examples of how credit scores can impact borrowing costs. It also outlines what is included in a credit report, common myths and errors, and how to dispute inaccuracies. The document provides statistics on identity theft and tips for monitoring credit, freezing reports, and protecting personal information from theft.
Appstar Financial - How to Conduct A Self-financial Background Check.pptx
"Appstar is a leader in point of sale technology solutions for small businesses
and entrepreneurs. Appstar Financial offer our customers the highest quality programs and POS systems including credit and debit card processing, E-Commerce solutions, gift cards, rewards and loyalty programs and business management tools. Appstar Financial has excellent reviews/ratings in electronic payment processing services, career growth, and Job opportunities."
Credit Reports and Credit Scores
• Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
cis11
The document provides information on how consumers can obtain free credit reports and specialty reports from credit bureaus and other agencies. It explains that consumers are entitled by law to one free credit report per year from each of the three major credit bureaus (Equifax, Experian, TransUnion). Contact information and instructions are given for ordering free annual reports from the credit bureaus and specialty reports on tenant history, employment history, property insurance claims, and medical records. Errors should be disputed directly with the credit bureaus.
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Read the attached article and answer the following questions, chec.docx
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