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Your Credit History

Some people really don't know their score on reports of credit and if it could adversely be used to count against them. Also they might be unaware that their score is just a measure of risk. When consumers were questioned, only 51% even knew their score on their reports. This risk measurement was created using the formula from the company called the Fair Isaac Corp. or FICO.

A credit score represents the creditworthiness of a person and is based on whether or not a person is likely to pay his bills. Scoring is based primarily on credit information that typically comes from one or all of three major bureaus, TransUnion, Experian, and Equifax.

To calculate the credit score, Fair Isaac uses 22 items of data obtained from the bureaus to come up with a score. It goes from a low of 300 up to the higher one of 850. The final number is decided by totaling ratings such as; credit types, history, payment and new credit. Income is not even factored into the score because there is no proof that a consumer would make payments on a timely basis. Just because they are showing an income doesn't necessarily mean they will pay bills.

All credit bureaus try to protect their credit files and confidentiality of every person that is maintained at the database. Because of restrictions of access and use of dedicated communication lines, only subscribers with a permissible purpose are allowed to obtain their information. Even when hiring new associates the criteria are very stringent in order to control access. Every year all employees have to recommit to their security policy and are required to secure passwords and entry codes.

Every U.S. citizen, by federal law, has the right to a free copy of their credit history annually. You can order your credit history online from a website established by the three major bureaus. If you should like to obtain your free copy you request it by going to annualcreditreport.com. When you order, measures will be taken to protect you from identity theft after answering questions that are known to only you, a copy will be sent by mail or you may get it printed off the website.

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