有關Credit Score的一些有用信息

來源: 金魚的故事


Factors that affect your credit score:
New late payments can drop scores over 100 points.
Short sales can also drop a credit score over 100 points.
Even a collection account with a small balance can cause a credit score to drop.
Joint account holders share ownership of the account and both are liable for repaying debt. If there is any delinquency, this would report on both credit holder』s accounts.
Credit history looks better if you have long-standing, established accounts. The older the age of the account, the better it is for your score.

How long information remains on your credit report:
Bankruptcy- 10 years
Late payments, foreclosures, collections, and public records- 7 years
Good closed credit – can be removed after 2 years

How different types of credit are defined:
Revolving Credit is any credit that consumers can charge up to the limit and pay the minimum payment; such as credit cards and home equity lines of credit.
Installment credit is any loan, excluding mortgages, that has the same monthly payment amount throughout the life of the loan; such as a car or student loan.
AnnualCreditReport.com allows you to request a free credit report, once a year from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. Click here to get your free credit report: https://www.annualcreditreport.com/cra/index.jsp