Secrets of the Credit Score - University of Colorado
Secrets of the Credit Score
UCCS Employee Seminar 10/21/2014
Schuyler (Skip) Wells, Ent Federal Credit Union
Question!!
What do ? credit reports, ? the number of and use of credit cards, ? inquiries, ? credit payments and ? credit history all have in common?
Credit Bureaus
? Three major credit bureaus
? Experian
? TransUnion
? Equifax
? Credit information is reported to bureaus ? Not all creditors report to all 3, except fraud ? Regulated and enforced by the Federal Trade
Commission & Fair Credit Reporting Act
The Fair Credit Reporting Act
? You must be told if information is used against you ? You may access your own file ? You can dispute inaccuracies ? Outdated information must be removed ? Access to your file is limited
First Things First
? Get your credit report @ ? Verify information / check for errors ? Any accounts you did not know about? ? Collection accounts? ? Public records, other derogatory credit?
**Strategy ? rotate bureaus every four months
................
................
In order to avoid copyright disputes, this page is only a partial summary.
To fulfill the demand for quickly locating and searching documents.
It is intelligent file search solution for home and business.
Related download
- buyer checklists amerititle
- unlocking smart money decisions for consumers
- credit reports and credit scores federal reserve
- 5 steps to a better
- check your credit report at least once a year
- annual credit report request form consumer information
- experian sample report check your free credit report
- how to download a free credit report ziprent
- breakdown of a credit score ent credit union
- build credit—understanding credit reports and scores
Related searches
- title ix of the education amendments act of 1972
- university of colorado online
- university of colorado calendar 2020
- what are the credit score ranges
- university of colorado campuses
- university of colorado boulder address
- university of colorado boulder athletics
- university of colorado aurora campus
- university of colorado tuition
- university of colorado aurora
- right of the z score table
- names of the credit bureaus