The credit rating is the equivalent of a note that you are assigned by Credit Rating Agencies repayment based on your clothes. The more you repaid your loans on time and on time, the better!

What is the advantage of having a good credit rating?

Having a good credit rating Is To Have a good reputation with financier institutions. When It Comes Time to borrow large sums, for example to buy a car or a house, Having a good reputation with lending institutions Is a distinct advantage.

Conversely, having a bad credit rating can affect in Many areas. If You Have a bad credit history or low score, a lender refuses to grant you May a loan or charge you a Higher interest rate. A bad credit rating can Also Reduce Your chances of getting a job.

Who can ask to see your credit file?
Any person or organization who wishes to check your reliability in terms of payment, for example:

A financial institution, before granting a loan;
Before you sell a business on credit;
Before you rent year owner an apartment;

The credit bureaus do not conveyed the information Contained in your credit report only to persons or Organizations That Have Received your permission “to apply. When you sign a loan application or credit card, you allow the institution Generally to check your credit clothes.

What’s There in your credit file?
your name, address and date of birth;
your work experience (name of employer, job title, job tenure, income);
your credit situation: late payments, Outstanding debts, payment of debt, available credit;

Information on public financier Transactions Relating To You (Unpaid taxes, bankruptcies, Judgement against you);
the list of Individuals or Organizations Who have a default information about your Creditworthiness.

How long your credit Information Is Kept?
The Credit Reporting Agencies Information hairpins of 6 to 7 years.

To Have a good credit rating, you must:
-Pay your bills as soon as possible;
-Pay the balance on your credit card Every month on time;
-Only borrow the Amount of money You Need, DEPENDING ON your flexible loan to pay;
repaid your loans on time and have so you can have quickly get a good credit rating and you save interest.

How to get a copy of your credit file?
You must make application annually to a credit reporting agency:
online receipt of the document est Almost Instantaneous, drank fees are Charged by the Credit Reporting Agencies That offer this service;
by mail, the waiting time is offset by the free service.

You must provide proof of your identity to the credit reporting agency. Contact this last to Know What IS needed evidence to Obtain a copy of your file.

To correct year error in your credit file
Contact consumer protection agency has to Obtain Information on how to request a correction in your queue. To this end, we invite you to visit the agency consumers.

Did you know?
Even the delays in payment of fines related to return books at the library parking ticket gold ‘may be regarded by Credit Rating Agencies have Shortcomings On Your hand in managing your debt.

One NSF has Tarnish credit report. Do not check if You Do not Have The Necessary funds at the time of issue.

Ask Several times “during the year même That Increase your credit limit can negatively affect your credit rating.

For additional information on free credit report, please visit the