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Navigating Credit: Credit Report Vs. Credit Score Explained
Manage episode 450552978 series 3576016
İçerik The Credit Pros tarafından sağlanmıştır. Bölümler, grafikler ve podcast açıklamaları dahil tüm podcast içeriği doğrudan The Credit Pros veya podcast platform ortağı tarafından yüklenir ve sağlanır. Birinin telif hakkıyla korunan çalışmanızı izniniz olmadan kullandığını düşünüyorsanız burada https://tr.player.fm/legal özetlenen süreci takip edebilirsiniz.
A credit score is a numerical representation of creditworthiness, ranging from 300 to 850, while a credit report details an individual's credit activity, including loans, payments, and defaults. Credit scores are calculated based on payment history, amounts owed, length of credit history, credit mix, and new credit inquiries. Each factor contributes differently to the score. Credit reports, which don't include a score, provide a comprehensive history and are crucial for lenders to assess risk. Individuals can obtain a free credit report annually from each of the three major bureaus via the government-run website.
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