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Know What’s on Your Credit Report
Know what’s on your credit report by accessing your credit report for free from all 3 credit bureaus twice a year. Visit www.AnnualCreditReport.com Experian www.experian.com 1-888-397-3742 Equifax www.equifax.com 1-800-685-1111 Trans Union www.transunion.com 1-800-888-4213
HOW IS YOUR CREDIT SCORE DERIVED?
How Your Credit Score Is Derived Developed in 1956, a Fair Isaac Corporation Score (commonly called the FICO Score) is a three digit number ranging from 300-850 and is calculated according to the following risk factors: Payment History (35% of score): *Payment information on many types of accounts *Public record and collection items *Details on [...]
10 Home Winterization Musts!
10 Must Do’s for Winter Each Year: 1. Check attic insulation. A foot of blown-in or batt insulation (R-38) in the attic reduces heat transfer from heated interior space to the great outdoors. This is a do-it-yourself job. If your attic is not insulated, blow in or roll out 12 inches of loose or batt [...]