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 Outdated information must be removed ?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
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