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A credit report is a record of the borrower's credit history from a number of sources, including banks, credit card companies, collection agencies, and governments. [2] A borrower's credit score is the result of a mathematical algorithm applied to a credit report and other sources of information to predict future delinquency.
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If you want to review your own length of credit history, you can do so by checking your credit report from one or more of the credit bureaus. Free weekly credit reports are available through ...
AnnualCreditReport.com is a website jointly operated by the three major U.S. credit reporting agencies, Equifax, Experian, and TransUnion.The site was created in order to comply with their obligations under the Fair and Accurate Credit Transactions Act (FACTA) [1] to provide a mechanism for American consumers to receive up to three free credit reports per year.
Length of credit history or "time in file" (15%): As a credit history ages it can have a positive impact on its FICO score. There are several metrics in this category, most significantly the average age of the accounts on a report and the age of the oldest account.
The information on your credit report, from the types of accounts you have to your payment history, is used to determine your credit score. Negative or inaccurate information could lower your ...
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Valuable tools that make monitoring your credit easy - Reviews.com