A credit report is a seven-year + 180-day history of your financial behavior. It’s a database of nearly all your financial ups and downs. I say nearly because everyone doesn't report all of your information to the credit bureaus. However, if you have any credit cards, personal loans, auto loans or student loans the history of you paying on time, when you opened the account, and how much of each account you’re using will be reported. Your credit report is also used to determine if you’re the right person to do business with and the data within the credit report creates the credit score! Which is a three digit number of how trustworthy you are as a person. Yes! All your hard work and dedication is shrunk down to a three digit number, and you’re being judged by a ridiculous three digit number. .
Oh btw, Do you want to boost your credit score in the next 90 days, so you can stop wasting money on rent and buy a home or rental property? Then, download our free credit boost guide at www.yfscredit.com/boost or text the word “boost” to 844-703-0379