Your Credit Score and the Price You Pay for Credit:
What you should know about credit scores:
Checking Your Credit Report
What if there are mistakes in your credit report?
You have a right to dispute any inaccurate information in your credit report. If you find mistakes on your credit report, contact the consumer reporting agency. It is a good idea to check your credit report to make sure the information it contains is accurate.
How can you obtain a copy of your credit report?
Under federal law, you have the right to obtain a free copy of your credit report from each of the nationwide consumer reporting agencies once a year. To order your free annual credit report – By telephone: Call toll-free 1-877-322-8228 One the web: Visit www.annualcreditreport.com By mail: Mail your completed Annual Credit Report Request Form (which you can obtain from the Federal Trade Commission’s web site at http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281
Your credit score is a number that reflects the information in your credit report.
Your credit report is a record of your credit history. It includes information about whether you pay your bills on time and how much you owe to creditors.
Your credit score can change, depending on how credit history changes.
How we use your credit score:
Your credit score can affect whether you can get a loan and how much you have to pay for that loan.
The range of scores:
EFX BEACON 5.0 Auto: Scores range from a low of 250 to a high of 843 Generally, the higher your score, the more likely you are to be offered better c redit terms.