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Understanding your credit score and credit reports is a crucial financial knowledge. Insurance, housing, and employment are often denied supported by a negative credit score. Often, the people that need it the most, don’t know even the basics, rich people however know how to build their credit score in the right, get free annual credit reports and get the most out of the financial system. You can possess this priceless knowledge too, all you need is to invest the time taking this free course – it’s in your hands now! A credit score is an assessment of the credit chance of a possible debtor (the individual that want a loan). The credit score presents an evaluation of a credit score agency (Experian, equifax, transunion, myfico) of the qualitative and quantitative. In this course we will teach you the basics and more than that: 💲 How to Calculate a credit score The main credit score is the fico credit score (generated by myFico, for instance) in general, the FICO score is the criterion in the U.S., Canada, and other worldwide regions. The factors are: Payment history, Amount of Debt, Revolving debt (This is credit card loan, retail card debt, and some petroleum cards), Installment debt, Open debt, Time in the file (Credit File Age), Accountancy Diversity, The Search for a New Credit (Credit inquiries) 💲 Credit History A credit history is a record of a borrower's liable repayment of debts. A credit report is basically a past report of the borrower's credit history from a different variety of resources, such as banks, credit card providers, collection agencies, and state & federal governments. 💲 Acquiring and understanding credit reports and scores – Fair Credit Reporting Act, Experian, Equifax, TransUnion, etc. Clients can frequently check their credit history by asking for credit reports from credit. In the United States, the Fair Credit Reporting Act governs organizations that compile credit reports. These businesses vary from the big three credit reporting agencies, Experian, Equifax, TransUnion, to specialty credit reporting agencies like myFico and others. 💲 Credit history of immigrants Credit history normally stays inside one country. Even within the same credit card network or within the same international credit bureau, information is not shared between different countries. For example, Equifax Canada never shares any kind of credit information with the Equifax situated in the United States. 💲 Adverse credit (sub-prime credit) Unfavorable credit history, also called sub-prime credit history, non-status credit history, impaired credit history, poor credit history, and bad credit history, is a damaging credit score. There are many alternatives for people with bad credit, we will teach you how to fix your credit score / repair credit score, and will show you alternative ways to get credit. 💲 Free annual credit report – 3 bureau credit report Because of the FACT Law each legitimate U.S. citizen is entitled to a free copy of his or her credit scores report from each credit score reporting bureau once every 12 months. The law requires all three agencies to offer reports: Equifax, Experian, and Transunion. 💲 Your credit score and credit report consequences The information in a credit report is sold off by credit companies to companies that are taking into consideration whether or not to offer credit to individuals or companies. It is also available to other entities with a "permissible purpose", as described by the Fair Credit Reporting Act. 💲 Credit Repair A credit score is determined also by taking into account your past record, but there are a handful of things that you can do to develop a real impact on your credit score. If you are searching for credit repair, you should consider the steps in the app, under the Credit Repair lesson. It is time to take your financial future under control, Download now!


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Published by

Hub Academy

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Approximate size

30.37 MB

Age rating

For all ages

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Access your Internet connection


Get this app while signed in to your Microsoft account and install on up to ten Windows 10 devices.

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English (United States)

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