Credit Report Quick Facts

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Your credit report is your financial report card.

It tells how you borrowed money and your history of how you paid it back. 

It has four kinds of information:

  • Identifying: name, address, birth date, social security number, employer
  • Public Record: Bankruptcy, tax liens, judgments
  • Credit: A list of all the people you owe money to and if you pay on time
  • Inquiries: List of those who pulled your credit report


Free reports are being provided only through the following avenues:


Phone: 1-877-322-8228

Send the attached form to:

Annual Credit Report Request Service

P.O. Box 105281

Atlanta, Georgia 30348-5281

Credit Scoring

Quick Facts: Your credit score is a number that lenders use to help them decide whether to give you a loan and what interest rate they should charge.

  • Scores range from 300 to 850.
  • In general a score higher than 740 is very good and below 600 is not very good.
  • Higher scores are better.

Five parts to your credit score:

  • Payment history – about 35%
  • Length of your history – about 15%
  • Other factors – about 10%
  • How much you owe – about 30%
  • New credit – about 10%

How to raise your score:

  • Pay all bills on time.
  • Keep balances low on credit cards. If your limit is $5000, don’t charge more than $2500.
  • Keep your positive payment history - don’t close your oldest account.
  • Shop for mortgage or car loans in a short period of time.
  • If you have missed a payment on an account, catch it up.
  • Pay off your debt instead of moving it around.
  • Apply for new credit cards rarely.
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