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Online Credit Reports & How They Are Tracking Everything You Do

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Consult the credit bureau(s) if you see a suspicious business name or are confused about why a specific company checked your credit. You may also see negative information on your credit report based on information reported in public records. Examples include: Bankruptcies. Bankruptcy records filed in federal districts.

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The Credit Score Guide: How Raising Your Score Can Save You Thousands on a Loan

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Here are some of the variables that go into your personal credit score calculation: Amount of debt you’ve taken on. Average age of your open credit accounts. Diversity of your credit accounts (what kinds of loans have you taken out?). Payment history—including bankruptcies and judgments. Limit your credit applications.