Trans Union Credit

For example, a university-educated person will be given more points than a high school graduate. How long have you lived in one place will also affect your credit score? for better or for worse. This will be the number of years you have worked for the same employer. Companies that your credit score simply as people stable. And finally, if you are a homeowner, you get bonus points. The credit score is fair? It is fair because it does not take into account personal factors such as race, sex, color, religion, national origin or marital status. Also, do not take into account the interest rates you're paying on your credit cards, nor do they include factors such as children or support obligations of the family or rental contracts. It also ignores research on your credit score by employers or lenders that were made without his knowledge or any information that may be considered to predict future credit performance.

What can you do to improve your credit score? Experts suggest you make sure you pay all your bills on time, if you miss a payment to a creditor, you get current and keep it current, and if you are having trouble paying their bills or can not pay their bills , contact your creditors or see a legitimate credit counseling firm. In addition, you must maintain balance in their credit cards and other credit lines as low as possible. And if you can, pay your debts, and not only move around the credit card credit card. Do not try to increase your available credit by opening a number of new accounts credit cards. Try to pay the balance due on their credit cards each month. The credit information providers (Trans Union, Experian and Equifax) are not required to provide your credit score.

However, they are obliged by law to provide free credit uninforme once a year. In addition, the law requires you to access these reports online. The website of these reports can be found at annualcreditreport.com. Once you log on to this site, you are asked to provide several pieces of personal information, including your full name, social security number, date of birth and current and previous addresses … to ensure that you are who you say you are. Douglas Hanna FREE help with debt and credit, subscribe to e-mail newsletter for free today Douglas Hanna "8 Simple Steps to Debt Relief" in