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Free Credit Reporting - Auto refinance loan applications need to be in the same names (with exact spelling) as the names on their current auto loan. This is how their current auto loan is identified or found so triple check to made sure everything is correct or exactly the same.
Free Credit Reporting - Bad credit scores can make it difficult to borrow money from lenders. When poor financial history is part of an individual's life, that person is often given very high interest rates for loans on cars, homes, and other expenses. Also, poor financial history can lead to the inability to receive a loan or financial assistance at all. A bad credit score can cause many serious problems for an individual that reach far beyond the scope of just financial problems. Emotional issues like depression and a lack of confidence can hinder the individuals ability to control the situation, causing additional debt and even worse financial ratings.
Free Credit Reporting - BankruptcyBankruptcy is considered the credit solution of last resort. Unlike negative credit information that stays on a credit report for seven years, bankruptcies stay on a credit report for 10 years. Bankruptcy can make it difficult to rent an apartment, buy a house or a condo, get some types of insurance, get additional credit, and, sometimes, get a job. In some cases, bankruptcy may not be an easily available option.
Free Credit Reporting - Be skeptical of unsolicited email offering credit reports. Keep an eye out for email from an atypical address, like XYZ123@website.net, or an email address ending in a top level domain other than .com, like .ru or .de.
Free Credit Reporting - Before credit ratings were in use, your credit was judged on the opinion of whoever checked your application. This sometimes resulted in biased and prejudiced rejections of people who shouldn't have been rejected. But the results that you get with your free credit rating are unbiased. The rating is the product of a formula created with the information from hundreds of thousands of credit reports. So the rating of your credit is based on statistics and not opinion.