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No Cost Credit Scores – How Does One Overdue Payment Affect My Credit Scores?

By Marc Marseille

The credit reporting agencies are responsible for reporting any info that is linked to customer credit. Every positive transaction that occurs is not always documented, however numerous adverse transactions most possibly will be recorded to the credit file. These late items will have an negative affect on anyone’s superior credit rating.

Potential lenders look for actual blemishes when qualifying credit worthiness. The most destructive negative items are the ones that are most current. Anybody can go through a challenging time in their life, but unluckily countless lenders will not contribute to person while they are going through those bad times in their life. It is better to have overlooked a payment a couple of years prior then 2 weeks ago.

The only manner to genuinely identify what is listed on your credit report is to constantly keep track of your credit information and score. The majority of times a company might not register a late payment if the customer has a decent history of paying on time. Whether a late payment was made or not, it is still a competent idea to confirm your credit repeatedly. There are often times when the three credit bureaus might also make a error and document something that is incorrect.

Free credit scores and reports are very easy to access via the net. There is really no justification for not knowing what is on your fico score. The majority of states allow for one complimentary copy of a client’s credit report every twelve months, some states permit two. Additionally, there are several businesses on the internet that provide a three bureau credit profile and ratings with credit monitoring via a no cost examination period.

The are more rewards to being cognizant of your credit history and scores than merely monitoring for your adverse items. There might alternatively be other issues similar to identity theft that can be stopped beforehand if you trail all actions on your credit profile. Certain red flags such as unidentified addresses, growing credit card statement balances, and many recent inquiries might also become detectable.

Even though 1 miss fee on your credit profile might not completely damage your credit rating, it is important to try your hardest not to make this a pattern. One little blemish might be forgotten by a lender, but numerous can begin to show a tradition of conduct. If you are serious about staying on top of your credit history, then you should not speculate in regards to what is on your credit agencies credit report, you should make it a routine to verify your status on a normal basis.

Terminate the guess work, get your free credit scores and report today and recognize exactly what’s on all three of your 3 free credit reports.

categories: finance,loans,money,society,banking,credit,credit counseling,financial planning,homes,auto,consumer issues

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Article Citation
MLA Style Citation:
Marseille, Marc "No Cost Credit Scores – How Does One Overdue Payment Affect My Credit Scores?." No Cost Credit Scores – How Does One Overdue Payment Affect My Credit Scores?. 7 Jun. 2010. 21 Sep 2014 <>.

APA Style Citation:
Marseille, M (2010, June 7). No Cost Credit Scores – How Does One Overdue Payment Affect My Credit Scores?. Retrieved September 21, 2014, from

Chicago Style Citation:
Marseille, Marc "No Cost Credit Scores – How Does One Overdue Payment Affect My Credit Scores?"

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