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What is Credit History?

Your credit history has documentation from when you first borrowed money or applied for credit. It has comprehensive detail of your past financial activities which includes when and how much you borrowed or repaid, any late payments (normally 30+ days overdue) and even bankruptcy information. Your credit history indicates your ‘credit worthiness’. It is valuable information for major lenders including credit card companies, banks, auto loan companies and mortgage companies when they need make a decision on whether or not to lend you money and at what interest rate if so.

Stay Informed of Your Credit Report

A credit report summarizes the in-depth information from your credit history, which makes it one of the main tools for lenders to determine how much to lend you and at what interest rate. A credit score or rating indicating your credit worthiness is commonly enclosed with your credit report. Three major credit bureaus (TransUnion, Experian, Equifax) supply the credit reports. FICO scores between 300-900 are assigned using the FICO model.

Know What PA Companies Think of Your Credit

Your credit worthiness greatly influences your way of life in PA. It comes down to having a good credit when applying for credit cards or qualifying for mortgages. It is suggested that you are familiar with your credit history and credit worthiness.





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