SlideShare a Scribd company logo
Give Yourself Some Credit Understanding Your Credit Report Aubrey Cristine Jude B. Neri  Economics 101
Credit Report Fundamentals Generated by three companies Experian, Equifax, TransUnion  Factors How much you owe to each company Payment history  for each company Includes utilities, medical expenses, rent
How FICO Is Calculated Range – 760(excellent) to 620 (poor) 35%  -  Payment History           30%  - Amounts  owed           15%  - Credit history length 	 	        10%  - New credit 		        10%  - Credit types
Improve Your FICO Score Pay bills on time Avoid opening many new accounts  Open only if you intend to use Keep balances low Less than 25% of credit limit Review credit report yearly

More Related Content

What's hot

Give yourself some credit diane jane
Give yourself some credit diane janeGive yourself some credit diane jane
Give yourself some credit diane janeDiana Jane Gultiano
 
Give yourself some credit lord
Give yourself some credit lordGive yourself some credit lord
Give yourself some credit lordlord_durana
 
Hamilton lara give yourself some credit
Hamilton lara give yourself some creditHamilton lara give yourself some credit
Hamilton lara give yourself some creditLorie Jane Abao
 
Give yourself some credit hamilton lara
Give yourself some credit hamilton laraGive yourself some credit hamilton lara
Give yourself some credit hamilton laraLorie Jane Abao
 
Give yourself some credit cataluña
Give yourself  some credit cataluñaGive yourself  some credit cataluña
Give yourself some credit cataluñaJennifer Cataluña
 
Give yourself some credits
Give yourself some creditsGive yourself some credits
Give yourself some creditsejboy
 
Credit Scores and Reports
Credit Scores and ReportsCredit Scores and Reports
Credit Scores and ReportsEvelyn Berrier
 
Rbs Scholar Development Financial Literacy (April 08)
Rbs Scholar Development   Financial Literacy (April 08)Rbs Scholar Development   Financial Literacy (April 08)
Rbs Scholar Development Financial Literacy (April 08)doniellebuie923
 
Auditor responsibility and expectation gap
Auditor responsibility and expectation gapAuditor responsibility and expectation gap
Auditor responsibility and expectation gapYasha Singh
 
Professional Money Management - Quantified
Professional Money Management - QuantifiedProfessional Money Management - Quantified
Professional Money Management - QuantifiedYvonne Kniaz
 
Educating The Consumer Public Forum Shared Pp 112608 Slide Show View Only
Educating The Consumer Public Forum Shared Pp 112608 Slide Show View OnlyEducating The Consumer Public Forum Shared Pp 112608 Slide Show View Only
Educating The Consumer Public Forum Shared Pp 112608 Slide Show View Only
pjparke
 
Repair Your Credit Score with RMCN Credit Repair
Repair Your Credit Score with RMCN Credit RepairRepair Your Credit Score with RMCN Credit Repair
Repair Your Credit Score with RMCN Credit Repair
davidallsup3
 
Budgeting Deep Dive
Budgeting Deep DiveBudgeting Deep Dive
Budgeting Deep Dive
Kate Dore
 
The Components of Credit Scores
The Components of Credit ScoresThe Components of Credit Scores
The Components of Credit Scores
Richard Thripp
 

What's hot (19)

Chap1 lab1
Chap1 lab1Chap1 lab1
Chap1 lab1
 
Give yourself some credit diane jane
Give yourself some credit diane janeGive yourself some credit diane jane
Give yourself some credit diane jane
 
Chap1 lab1
Chap1 lab1Chap1 lab1
Chap1 lab1
 
Ellamae
EllamaeEllamae
Ellamae
 
Give yourself some credit lord
Give yourself some credit lordGive yourself some credit lord
Give yourself some credit lord
 
Hamilton lara give yourself some credit
Hamilton lara give yourself some creditHamilton lara give yourself some credit
Hamilton lara give yourself some credit
 
Give yourself some credit hamilton lara
Give yourself some credit hamilton laraGive yourself some credit hamilton lara
Give yourself some credit hamilton lara
 
Give yourself some credit cataluña
Give yourself  some credit cataluñaGive yourself  some credit cataluña
Give yourself some credit cataluña
 
Presentation1
Presentation1Presentation1
Presentation1
 
Give yourself some credits
Give yourself some creditsGive yourself some credits
Give yourself some credits
 
Credit Scores and Reports
Credit Scores and ReportsCredit Scores and Reports
Credit Scores and Reports
 
Rbs Scholar Development Financial Literacy (April 08)
Rbs Scholar Development   Financial Literacy (April 08)Rbs Scholar Development   Financial Literacy (April 08)
Rbs Scholar Development Financial Literacy (April 08)
 
Auditor responsibility and expectation gap
Auditor responsibility and expectation gapAuditor responsibility and expectation gap
Auditor responsibility and expectation gap
 
Professional Money Management - Quantified
Professional Money Management - QuantifiedProfessional Money Management - Quantified
Professional Money Management - Quantified
 
Educating The Consumer Public Forum Shared Pp 112608 Slide Show View Only
Educating The Consumer Public Forum Shared Pp 112608 Slide Show View OnlyEducating The Consumer Public Forum Shared Pp 112608 Slide Show View Only
Educating The Consumer Public Forum Shared Pp 112608 Slide Show View Only
 
Repair Your Credit Score with RMCN Credit Repair
Repair Your Credit Score with RMCN Credit RepairRepair Your Credit Score with RMCN Credit Repair
Repair Your Credit Score with RMCN Credit Repair
 
Budgeting Deep Dive
Budgeting Deep DiveBudgeting Deep Dive
Budgeting Deep Dive
 
Free credit report
Free credit reportFree credit report
Free credit report
 
The Components of Credit Scores
The Components of Credit ScoresThe Components of Credit Scores
The Components of Credit Scores
 

Viewers also liked

Kiddies bank -- neri
Kiddies bank -- neriKiddies bank -- neri
Kiddies bank -- neriaejay_neri
 
Water, water, everywhere aubrey neri
Water, water, everywhere   aubrey neriWater, water, everywhere   aubrey neri
Water, water, everywhere aubrey neriaejay_neri
 
E comstation --- nerii
E comstation  --- neriiE comstation  --- nerii
E comstation --- neriiaejay_neri
 
Water, water, everywhere aubrey neri
Water, water, everywhere   aubrey neriWater, water, everywhere   aubrey neri
Water, water, everywhere aubrey neriaejay_neri
 
Healthy lifestyle --- neri
Healthy lifestyle  --- neriHealthy lifestyle  --- neri
Healthy lifestyle --- neriaejay_neri
 
Watchguard presentation tech day el salvador
Watchguard presentation tech day el salvadorWatchguard presentation tech day el salvador
Watchguard presentation tech day el salvador
Jose Molina
 
Growing in generosity ----neri
Growing in generosity  ----neriGrowing in generosity  ----neri
Growing in generosity ----neriaejay_neri
 
Gaia TV hospitality solution
Gaia TV hospitality solutionGaia TV hospitality solution
Gaia TV hospitality solution
sbukkapa
 

Viewers also liked (10)

Aj... report
Aj... reportAj... report
Aj... report
 
Kiddies bank -- neri
Kiddies bank -- neriKiddies bank -- neri
Kiddies bank -- neri
 
Water, water, everywhere aubrey neri
Water, water, everywhere   aubrey neriWater, water, everywhere   aubrey neri
Water, water, everywhere aubrey neri
 
E comstation --- nerii
E comstation  --- neriiE comstation  --- nerii
E comstation --- nerii
 
Water, water, everywhere aubrey neri
Water, water, everywhere   aubrey neriWater, water, everywhere   aubrey neri
Water, water, everywhere aubrey neri
 
Aejay
AejayAejay
Aejay
 
Healthy lifestyle --- neri
Healthy lifestyle  --- neriHealthy lifestyle  --- neri
Healthy lifestyle --- neri
 
Watchguard presentation tech day el salvador
Watchguard presentation tech day el salvadorWatchguard presentation tech day el salvador
Watchguard presentation tech day el salvador
 
Growing in generosity ----neri
Growing in generosity  ----neriGrowing in generosity  ----neri
Growing in generosity ----neri
 
Gaia TV hospitality solution
Gaia TV hospitality solutionGaia TV hospitality solution
Gaia TV hospitality solution
 

More from aejay_neri

Lab1 2 scissor's office supply ----neri sheet2 (1)
Lab1 2 scissor's office supply ----neri sheet2 (1)Lab1 2 scissor's office supply ----neri sheet2 (1)
Lab1 2 scissor's office supply ----neri sheet2 (1)aejay_neri
 
Lab1 1 konas expresso coffee sheet1
Lab1 1 konas expresso coffee sheet1Lab1 1 konas expresso coffee sheet1
Lab1 1 konas expresso coffee sheet1aejay_neri
 
Aejay .midterm
Aejay .midtermAejay .midterm
Aejay .midtermaejay_neri
 
Aejay.chap2.case 2
Aejay.chap2.case 2Aejay.chap2.case 2
Aejay.chap2.case 2aejay_neri
 
Aejay.chap2.case 2
Aejay.chap2.case 2Aejay.chap2.case 2
Aejay.chap2.case 2aejay_neri
 
Antivirus program ----neri
Antivirus program  ----neriAntivirus program  ----neri
Antivirus program ----neriaejay_neri
 
Home networks ----neri
Home networks  ----neriHome networks  ----neri
Home networks ----neriaejay_neri
 
Home networks neri
Home networks neriHome networks neri
Home networks neriaejay_neri
 
Computer forensics paper ---neri
Computer forensics paper ---neriComputer forensics paper ---neri
Computer forensics paper ---neriaejay_neri
 
Research paper -- neri
Research paper -- neriResearch paper -- neri
Research paper -- neriaejay_neri
 
Check it out --- neri
Check it out  --- neriCheck it out  --- neri
Check it out --- neriaejay_neri
 
Kiddies bank -- neri
Kiddies bank -- neriKiddies bank -- neri
Kiddies bank -- neriaejay_neri
 
Teaching english to kids -- neri
Teaching english to kids -- neriTeaching english to kids -- neri
Teaching english to kids -- neriaejay_neri
 
Guevarra institute of technology -- neri
Guevarra institute of technology  -- neriGuevarra institute of technology  -- neri
Guevarra institute of technology -- neriaejay_neri
 

More from aejay_neri (20)

Lab1 2 scissor's office supply ----neri sheet2 (1)
Lab1 2 scissor's office supply ----neri sheet2 (1)Lab1 2 scissor's office supply ----neri sheet2 (1)
Lab1 2 scissor's office supply ----neri sheet2 (1)
 
Lab1 1 konas expresso coffee sheet1
Lab1 1 konas expresso coffee sheet1Lab1 1 konas expresso coffee sheet1
Lab1 1 konas expresso coffee sheet1
 
Aejay .midterm
Aejay .midtermAejay .midterm
Aejay .midterm
 
Aejay.chap2.case 2
Aejay.chap2.case 2Aejay.chap2.case 2
Aejay.chap2.case 2
 
Aejay.chap2.case 2
Aejay.chap2.case 2Aejay.chap2.case 2
Aejay.chap2.case 2
 
Aejay (1)
Aejay (1)Aejay (1)
Aejay (1)
 
Neriii sheet1
Neriii sheet1Neriii sheet1
Neriii sheet1
 
Aj
AjAj
Aj
 
Aj.neri
Aj.neriAj.neri
Aj.neri
 
Antivirus program ----neri
Antivirus program  ----neriAntivirus program  ----neri
Antivirus program ----neri
 
Home networks ----neri
Home networks  ----neriHome networks  ----neri
Home networks ----neri
 
Home networks neri
Home networks neriHome networks neri
Home networks neri
 
Ear - neri
Ear  - neriEar  - neri
Ear - neri
 
Computer forensics paper ---neri
Computer forensics paper ---neriComputer forensics paper ---neri
Computer forensics paper ---neri
 
Research paper -- neri
Research paper -- neriResearch paper -- neri
Research paper -- neri
 
Check it out --- neri
Check it out  --- neriCheck it out  --- neri
Check it out --- neri
 
Kiddies bank -- neri
Kiddies bank -- neriKiddies bank -- neri
Kiddies bank -- neri
 
Wsdt
WsdtWsdt
Wsdt
 
Teaching english to kids -- neri
Teaching english to kids -- neriTeaching english to kids -- neri
Teaching english to kids -- neri
 
Guevarra institute of technology -- neri
Guevarra institute of technology  -- neriGuevarra institute of technology  -- neri
Guevarra institute of technology -- neri
 

Recently uploaded

when will pi network coin be available on crypto exchange.
when will pi network coin be available on crypto exchange.when will pi network coin be available on crypto exchange.
when will pi network coin be available on crypto exchange.
DOT TECH
 
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...
Turin Startup Ecosystem 2024  - Ricerca sulle Startup e il Sistema dell'Innov...Turin Startup Ecosystem 2024  - Ricerca sulle Startup e il Sistema dell'Innov...
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...
Quotidiano Piemontese
 
一比一原版BCU毕业证伯明翰城市大学毕业证成绩单如何办理
一比一原版BCU毕业证伯明翰城市大学毕业证成绩单如何办理一比一原版BCU毕业证伯明翰城市大学毕业证成绩单如何办理
一比一原版BCU毕业证伯明翰城市大学毕业证成绩单如何办理
ydubwyt
 
what is a pi whale and how to access one.
what is a pi whale and how to access one.what is a pi whale and how to access one.
what is a pi whale and how to access one.
DOT TECH
 
The new type of smart, sustainable entrepreneurship and the next day | Europe...
The new type of smart, sustainable entrepreneurship and the next day | Europe...The new type of smart, sustainable entrepreneurship and the next day | Europe...
The new type of smart, sustainable entrepreneurship and the next day | Europe...
Antonis Zairis
 
what is the future of Pi Network currency.
what is the future of Pi Network currency.what is the future of Pi Network currency.
what is the future of Pi Network currency.
DOT TECH
 
Which Crypto to Buy Today for Short-Term in May-June 2024.pdf
Which Crypto to Buy Today for Short-Term in May-June 2024.pdfWhich Crypto to Buy Today for Short-Term in May-June 2024.pdf
Which Crypto to Buy Today for Short-Term in May-June 2024.pdf
Kezex (KZX)
 
how to sell pi coins on Binance exchange
how to sell pi coins on Binance exchangehow to sell pi coins on Binance exchange
how to sell pi coins on Binance exchange
DOT TECH
 
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...
beulahfernandes8
 
BYD SWOT Analysis and In-Depth Insights 2024.pptx
BYD SWOT Analysis and In-Depth Insights 2024.pptxBYD SWOT Analysis and In-Depth Insights 2024.pptx
BYD SWOT Analysis and In-Depth Insights 2024.pptx
mikemetalprod
 
how can i use my minded pi coins I need some funds.
how can i use my minded pi coins I need some funds.how can i use my minded pi coins I need some funds.
how can i use my minded pi coins I need some funds.
DOT TECH
 
Summary of financial results for 1Q2024
Summary of financial  results for 1Q2024Summary of financial  results for 1Q2024
Summary of financial results for 1Q2024
InterCars
 
where can I find a legit pi merchant online
where can I find a legit pi merchant onlinewhere can I find a legit pi merchant online
where can I find a legit pi merchant online
DOT TECH
 
what is the best method to sell pi coins in 2024
what is the best method to sell pi coins in 2024what is the best method to sell pi coins in 2024
what is the best method to sell pi coins in 2024
DOT TECH
 
Scope Of Macroeconomics introduction and basic theories
Scope Of Macroeconomics introduction and basic theoriesScope Of Macroeconomics introduction and basic theories
Scope Of Macroeconomics introduction and basic theories
nomankalyar153
 
GeM ppt in railway for presentation on gem
GeM ppt in railway  for presentation on gemGeM ppt in railway  for presentation on gem
GeM ppt in railway for presentation on gem
CwierAsn
 
How to get verified on Coinbase Account?_.docx
How to get verified on Coinbase Account?_.docxHow to get verified on Coinbase Account?_.docx
How to get verified on Coinbase Account?_.docx
Buy bitget
 
Chương 6. Ancol - phenol - ether (1).pdf
Chương 6. Ancol - phenol - ether (1).pdfChương 6. Ancol - phenol - ether (1).pdf
Chương 6. Ancol - phenol - ether (1).pdf
va2132004
 
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Card
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit CardPoonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Card
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Card
nickysharmasucks
 
The European Unemployment Puzzle: implications from population aging
The European Unemployment Puzzle: implications from population agingThe European Unemployment Puzzle: implications from population aging
The European Unemployment Puzzle: implications from population aging
GRAPE
 

Recently uploaded (20)

when will pi network coin be available on crypto exchange.
when will pi network coin be available on crypto exchange.when will pi network coin be available on crypto exchange.
when will pi network coin be available on crypto exchange.
 
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...
Turin Startup Ecosystem 2024  - Ricerca sulle Startup e il Sistema dell'Innov...Turin Startup Ecosystem 2024  - Ricerca sulle Startup e il Sistema dell'Innov...
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...
 
一比一原版BCU毕业证伯明翰城市大学毕业证成绩单如何办理
一比一原版BCU毕业证伯明翰城市大学毕业证成绩单如何办理一比一原版BCU毕业证伯明翰城市大学毕业证成绩单如何办理
一比一原版BCU毕业证伯明翰城市大学毕业证成绩单如何办理
 
what is a pi whale and how to access one.
what is a pi whale and how to access one.what is a pi whale and how to access one.
what is a pi whale and how to access one.
 
The new type of smart, sustainable entrepreneurship and the next day | Europe...
The new type of smart, sustainable entrepreneurship and the next day | Europe...The new type of smart, sustainable entrepreneurship and the next day | Europe...
The new type of smart, sustainable entrepreneurship and the next day | Europe...
 
what is the future of Pi Network currency.
what is the future of Pi Network currency.what is the future of Pi Network currency.
what is the future of Pi Network currency.
 
Which Crypto to Buy Today for Short-Term in May-June 2024.pdf
Which Crypto to Buy Today for Short-Term in May-June 2024.pdfWhich Crypto to Buy Today for Short-Term in May-June 2024.pdf
Which Crypto to Buy Today for Short-Term in May-June 2024.pdf
 
how to sell pi coins on Binance exchange
how to sell pi coins on Binance exchangehow to sell pi coins on Binance exchange
how to sell pi coins on Binance exchange
 
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...
 
BYD SWOT Analysis and In-Depth Insights 2024.pptx
BYD SWOT Analysis and In-Depth Insights 2024.pptxBYD SWOT Analysis and In-Depth Insights 2024.pptx
BYD SWOT Analysis and In-Depth Insights 2024.pptx
 
how can i use my minded pi coins I need some funds.
how can i use my minded pi coins I need some funds.how can i use my minded pi coins I need some funds.
how can i use my minded pi coins I need some funds.
 
Summary of financial results for 1Q2024
Summary of financial  results for 1Q2024Summary of financial  results for 1Q2024
Summary of financial results for 1Q2024
 
where can I find a legit pi merchant online
where can I find a legit pi merchant onlinewhere can I find a legit pi merchant online
where can I find a legit pi merchant online
 
what is the best method to sell pi coins in 2024
what is the best method to sell pi coins in 2024what is the best method to sell pi coins in 2024
what is the best method to sell pi coins in 2024
 
Scope Of Macroeconomics introduction and basic theories
Scope Of Macroeconomics introduction and basic theoriesScope Of Macroeconomics introduction and basic theories
Scope Of Macroeconomics introduction and basic theories
 
GeM ppt in railway for presentation on gem
GeM ppt in railway  for presentation on gemGeM ppt in railway  for presentation on gem
GeM ppt in railway for presentation on gem
 
How to get verified on Coinbase Account?_.docx
How to get verified on Coinbase Account?_.docxHow to get verified on Coinbase Account?_.docx
How to get verified on Coinbase Account?_.docx
 
Chương 6. Ancol - phenol - ether (1).pdf
Chương 6. Ancol - phenol - ether (1).pdfChương 6. Ancol - phenol - ether (1).pdf
Chương 6. Ancol - phenol - ether (1).pdf
 
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Card
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit CardPoonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Card
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Card
 
The European Unemployment Puzzle: implications from population aging
The European Unemployment Puzzle: implications from population agingThe European Unemployment Puzzle: implications from population aging
The European Unemployment Puzzle: implications from population aging
 

Lab1 1. credit ---neri

  • 1. Give Yourself Some Credit Understanding Your Credit Report Aubrey Cristine Jude B. Neri Economics 101
  • 2. Credit Report Fundamentals Generated by three companies Experian, Equifax, TransUnion Factors How much you owe to each company Payment history for each company Includes utilities, medical expenses, rent
  • 3. How FICO Is Calculated Range – 760(excellent) to 620 (poor) 35% - Payment History 30% - Amounts owed 15% - Credit history length 10% - New credit 10% - Credit types
  • 4. Improve Your FICO Score Pay bills on time Avoid opening many new accounts Open only if you intend to use Keep balances low Less than 25% of credit limit Review credit report yearly