Credit Reports
What Are Credit Reports?
Your entire credit history is collected by three major bureaus and each uses its own reporting system. We will help you collect your reports and then we will help you translate them into information that is understandable and manageable. Sign up to become a member now and not only get help in colllecting your reports, but learn what to look for and how to understand the data within them.
The number of Americans seeking the help of Credit Counselors doubled between 1999 to 2000.
Let Us Handle Your Debt
We make collecting your credit reports from the bureues simple. It is our job to help you every step of the way on your credit repair journey, and it all starts here. Contact us today to take the first step.
We will help you understand
There are literally hundreds of companies out there that will tell you that they can get you your credit reports for cheap or even free. However, that is where they stop. Academy Credit will never leave you during the credit repair process. We will help you understand your reports and will guide you during the entire repair process.
You have the right to challenge your Credit Report. Sign up and let us make it for you.
So what exactly is on your credit reports? On some reports you will find a score given at the top. Scores can range from the 300's to the 900's. Scores that are at either extreme are very rare. You can bet that your score will be somewhere in between. The higher your score the better your credit rating and payment history. A fair score is generally around 620. Anything lower is poor and anything higher is good. In Mortgages you generally get the best rates at around a 700 or better.
The body of your credit report will contain trade lines. They are recorded in these categories: auto, mortgage, credit cards, and others. Depending on the type of credit report pulled (determined by how much info is needed to determine eligibility) it will have the name of the account, maximum credit limits, dates of late payments, and the amounts owed. More in-depth reports will include account numbers, dates of account openings and closings, and the total number of late payments in the last 2 years. Most reports also include a history of your previous and current residence.
Free Newsletter
Get a sneak peek at one of the many benefits of membership. Sign up to receive our free information newsletter. There are no strings attached and you can easily unsubscribe at any time.
