: Legal financial events like Chapter 7 (10 years) or Chapter 13 (7 years) bankruptcies.
Credit reports are maintained by three major bureaus—, Experian , and TransUnion . They include: credit reports scores
: Details of open and closed accounts, including credit cards, auto loans, mortgages, and student loans. Payment History : Records of on-time or late payments. : Legal financial events like Chapter 7 (10
: Your name, variations of your name, past and current addresses, phone numbers, Social Security number, and employment history. Payment History : Records of on-time or late payments
The most common scoring models are (300–850 range) and VantageScore® . Your score is typically calculated based on five factors: Free Credit Reports - FTC Consumer Advice
A credit report is a detailed record of your financial history, while a credit score is a numerical representation of that data used to predict your creditworthiness.
: Lists of companies that have requested to see your credit report (hard and soft inquiries). Key Components of Credit Scores