PPT-Credit Reports and Credit Scores

What is a Credit Report A credit report gives a picture of a persons history of borrowing and repaying money There are three national bureaus or Credit Reporting Agencies CRAs Equifax Experian TransUnion. ypically they charge 50 to help you but frequently they do nothing to help before taking your money and disappearing nder the New Jersey Fair Credit Reporting Act consumers are entitled to a free credit report annually ederal law now also provides c You can dispute mistak es for free Everything a credit repair clinic can do for you legally you can do for yourself at little or no cost Here are some steps to take Get a free copy of your credit report Visit wwwannualcreditreportcom Call 8773228228 How They Impact Your Financial Success. Presented by: Lynne A. Coverdale, MBA. Salin Bank & Trust Company . Background. The FICO . stands for Fair Isaac and Co., a company founded in 1956 by Bill Fair, an engineer, and Earl Isaac, a . How They Impact Your Financial Success. Presented by: Lynne A. Coverdale, MBA. Salin Bank & Trust Company. l.coverdale@salin.com . Outline . Background . Components of a Credit Report. Users of Credit Data . 90 Minute Workshop To Train You . On The Basics of Credit Reports. Date. Presenter. 2. Welcome. . Introductions. 3. Objectives. Demystifying the credit report. What is a credit report and why check it?. CAS Ratemaking and Product Management. Spring 2012 – March 20. 1. 2. What are Credit-based Insurance Scores?. . A numeric representation of relative insurance claim risk based on consumer credit details. How to fix, improve and protect your credit score. Why is it important?. FICO Scores are your credit rating. Most lenders base approval upon them. Higher scores means better credit, lower interest rates and lower payments. Advanced Level. The Credit Process. Credit. – goods, services, and/or money received in exchange for a promise to pay back a definite sum of money at a future . date. How Credit Reports are Created. Advanced Level. The Credit Process. Credit. – goods, services, and/or money received in exchange for a promise to pay back a definite sum of money at a future . date. How Credit Reports are Created. What would be considered good credit?. On average how many credit cards does the average household have?. How do credit cards make money?. Video. Who are credit card companies best and worst customers?. Your. . tool. to . closing. more . loans. . saving. time & building . referrals. !. Credit Repair vs. Your Trusted Credit Reporting Professionals. Who is the presenter?. Vic Melillo. -. . 25 year credit . Family Economics & Financial Education. Credit Reports. Credit report - . a record of a . consumer’s transactions involving credit. No credit report if you have never used . credit. Affects your ability to acquire . Advanced Level. Good Morning! 4/7/14. EverFi. Credit Score was due Friday. Lose 10%/day – remember summative grade of 100 points. EverFi. Payments, Interest and Credit Cards is due THIS FRIDAY, April 11. Module 6. Credit Reports and Scores. September 2018. 1. Pre-Training Survey. See page 57 in your Participant Guide . 2. Section 1: Credit Reports. Section 1. Credit Reports. See page 3 in your Participant Guide.