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Depending on the complexity of the error, this may be resolved in a few days or it may take several months. Keep copies of all correspondence and follow up to be sure the credit report has been corrected. A large portion of the credit score is based on the persons credit and payment history with all accounts. If payments are made on time, the credit score will generally reflect the persons financial responsibility by being higher. Missed payments, repossessions, bankruptcies and judgments can have a disastrous effect on the credit score of an individual. The amount of available credit in proportion to the amount of credit currently used as well as the number of inquiries can also affect the credit score how get free credit report North Platte of an individual. Banks and others lenders will generally request a credit report before extending any credit to an individual. all 3 credit reports The credit score can determine the terms of the loan, including the interest rate, or may exclude the person from receiving an offer of credit. Though the number that constitutes an excellent score can vary from one institution to the next, a score of 700 or higher is generally considered very good or excellent.
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