THE ADVIZER       Online Credit Reports   |  Learn Your Credit Score   |   Good Credit or Bad Credit

Learning about your credit score is very important if you plan on taking out a loan for a home or vehicle. The higher your credit score the lower your interest rate will be and that in turn leads to lower monthly payments.

The advantage of pulling your credit report is you know where you stand when dealing with bankers and lenders. If you run a credit report and get your credit score you will have the upper hand and can easily feel confident asking for a better interest rates.

Credit Cards also look at your credit report and determine if you are capable of repaying loans or paying on time each month. The higher your credit score is the better your chances of having a much higher limit with lower interest rate.

Great Credit scores usually start above the 700 range. The lenders are all different on what they determine as A+ credit, the best thing is to just try and keep the score above 700. If your credit report shows a score below 600 then this will have a negative effect on loan terms and you could be considered high risk.

Information that will be on a credit report:

Identity Info - Name, Address, SS#, Employer, and BD.

Credit Information - Bank loans, Credit Cards and Balances, Student Loans, etc..

Recent Reports Pulled - Names of Companies who have pulled your credit report.

Public Record Info - Bankruptcy, Money on Taxes

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