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Date:
October 1, 2007, 11:08 pm
Does my credit even exist?
Answer:
We can't answer your question as we are not a bank or other financial institution and we do not posess any personal information concerning you and your credit history. Still, it should be emphasized that being aware of credit history and score is extremely important. Your credit score is derived from the report that you can get from one of the credit bureaus (Equifax, Experian and TransUnion). From the report you can learn all information concerning your payments, accounts, etc. The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies "Equifax, Experian, and TransUnion" to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation's consumer reporting companies. You may request your free credit report online, by phone or through the mail. If you've never had credit before, your credit score is 0-0 and you can count on cards for no credit . With 350-619 credit score, you can file a bad credit card application. Having fair credit rating (620-659) you can obtain a card for fair credit. If you a good or excellent credit customer, you are welcome to evaluate our best overall cards and choose the one for you.
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