Consumer Credit Reports Explained Centrix

Consumer Credit Reports Explained Centrix Centrix consumer credit reports include personal information, credit score, and information on any defaults and judgements. they can also include payment history, id verification, and information about any companies with which the person is affiliated, either as a shareholder or director. the report features a credit score, which is a number. Understanding your personal credit report. your personal credit report is a summary of how often you’ve bought products or services on credit, and how well you’ve paid your bills on time. it’s not just credit card, loan and mortgage information; the information in your consumer credit report is collected from multiple sources.

Consumer Credit Reports Explained Centrix Consumer credit reports also include optional drivers licence verification to help you verify a consumer’s identity, and a record of any outstanding court fines they owe, at no additional charge. with centrix, there are no joining fees or ongoing annual fees. simply pay for what you use with our competitive per report pricing. What you need to know: the credit scores provided are based on the vantagescore® 3.0 model. lenders use a variety of credit scores and are likely to use a credit score different from vantagescore® 3.0 to assess your creditworthiness. Credit inquiries are records of when someone requested a copy of your credit report. they can stay on your credit report for up to two years. a hard inquiry may appear on your credit report when you apply for a new credit account or ask for a higher credit limit on an existing credit card. these inquiries can affect your credit scores. Know the data on your credit report. you know your credit report is important, but the information that credit reporting companies use to create that report is just as important—and you have a right to see that data. use our list of credit reporting companies to request and review each of your reports. browse the list.