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What affects my credit score?

Your FICO score is affected by five factors that are weighted based on certain criteria. Payment history: 35% Amounts owed: 30% Length of credit history: 15% Credit Mix: 10% New Credit: 10%

How do I get my FREE credit report?

You are entitled to one free copy of your credit report every 12 months. You can get a free report from each of the credit reporting companies. The only authorized website for getting your free report is annualcreditreport.com. Or you can call and request your report at (877) 322-8228. This report is absolutely free from […]

What does FICO stand for?

The name FICO comes from the company that developed the score. It comes from their original name, The Fair Isaac Company. It is not a credit reporting agency. It developed this score so lenders could understand their financial risk for individuals they are considering lending to.

Will this hurt my credit score?

So, let’s begin this answer by asking, “What is your credit score today?” Obviously, if you are a top borrower with a credit score of 750-850, debt resolution is going to have a negative effect on your credit. However, our typical client has a credit score of about 620. And many times, we consider between […]