Three credit report Utah

Here's an example - US Bank uses Equifax, Wells Fargo Bank uses Experian and Honda Finance uses Trans Union. Each assigns a credit score, based on three credit report Utah the history in your credit report, which determines if you'll get the credit you're wanting....and what interest rate you'll end up with. Credit Scores are generally broken down as follows - 700+ Score - you're considered Tier 1 - considered excellent by lenders and typically offered the best rates. 650 - 699 - you're considered Tier 2 - considered good by lenders and typically offered interest rates 1% - 4% higher than Tier 1 borrowers.

600 - 649 - you're considered Tier 3 - considered fair by lenders and typically offered rates three credit report Utah between 8% and 12%.

550 - 599 - you're considered Tier 4 - considered poor by lender and typically offered rates three credit report Utah between 13% and 22%. 350 - 499 - you're considered Tier 5 - considered very poor by lenders and typically offered interest rates similar to what the Mafia lends at. Recently, I've been seeing a lot of advertising on the three credit report Utah Internet and TV offering to provide you a Free Personal Credit Report. Heck, there'three credit report Utah s probably 200,000 Web Sites that make that offer. how to get a free credit report online

Ok - listen carefully - almost 99% of those ad's are a crock. There are only two ways to get a FREE Credit Report. The second way is to wait for your once-a-year window to request your Free Credit Report. This is a newer program just recently put in place (2005) which was mandated by the Feds. The Web Site three credit report Utah you need to visit to see if it'three credit report Utah s your time to get Free Credit three credit report Utah Reports is Annual Credit Report.com. Whether you can get the Freebie Credit Report now or not, there is still one very, very important piece of data missing.... You get the Free Credit Report....without a Credit Score. You get only half the information you need to truly understand what's up with your Credit. That'three credit report Utah s like ordering a King Cut of Prime Rib and getting the Petite Cut. all free credit report

Whenever you apply for credit, the first thing the lender or creditor does is pull your Credit Report....and find your credit score. The lender then knows what the score is and begins to make his or her decision regarding your request and the terms that will be offered to three credit report Utah you. Here's a real-life example of what happens in the U.S. Let's say you're looking to purchase a new car - it's a very three credit report Utah popular sedan that currently offers Manufacturer Financing of 2.9% for 60 months. You go through the entire buying process, finally agree to a price and are ready to finish your new car purchase You then give the Dealer all of your personal information and they run a credit report. Then the Salesperson walks slooowwwly back to three credit report Utah where you are sitting. He says I'm sorry, but your credit score doesn't qualify for the 2.9% financing. Every day, thousands of folks are absolutely shocked when the salesperson tells them they don't qualify for the loan they wanted. You see, that special 2.9% financing requires a 720 Credit Score and no record of any delinquencies on your personal credit report. It's humiliating....and something you definitely were not expecting. The real three credit report Utah problem here is this - you don't know what your credit score is three credit report Utah and therefore, you don't know what terms and conditions you qualify for. free-annual-credit-report.com Now, the best Interest Rate you now qualify for is 5.9% for 60 months, so you'll be paying $46 a month extra - or $2,760 during the term of that loan.

And the only three credit report Utah way it's going to stop, is for you to have a current copy of your Credit Report with a Credit Score listed. I suggest getting your complete credit report form Trans Union. They have very strict scoring models and if you three credit report Utah score well with them, you don't need to worry what Credit Bureau a three credit report Utah Lender uses. Spend a few bucks now.....and save yourself a lot of grief later.