Do I Have Good Credit or Bad Credit
If you have ever borrowed money for a loan, or have any credit cards, chances are you have a credit file.
If you have made payments on time and these are creditors who report to the bureaus, you probably have good credit.
If you have late payments, bill(s) which have gone to collection, you have declared bankruptcy, or have liens filed against you, then you have bad credit.
You credit score is a determining factor whether you have good credit or bad credit.
Be sure check your credit at least once or twice a year !
| Quick Credit FAQ |
| Up to 60% of people who check their free credit report find errors. |
| Credit Professionals recommend a credit check at least 2x yearly. |
| You may obtain a free credit check if you've been denied credit in the last 60 days or once annually. |
| There are 3 credit bureaus which collect information from major creditors. Equifax, TransUnion, Experian. |
| Your credit report lists all the accounts and payment history for the last two years; liens and judgements for 7 years; bankruptcy 10 years. |
| From your information a credit score is calculated. Credit Scores range from about 400-820. A score of 700 or above is very good. |
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