Credit scores are being used for everything these days, including mortgages, credit cards, insurance, and even employment decisions. Your credit score can be the number one thing that causes a credit company to say "yes" or "no" to your credit application. Along with the credit report, lenders also review your credit score which is based on the information in your credit report. While a credit report can be considered your detailed financial history, a credit score is an objective summary of that information. It is also important to know what your score is.

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What is the National Score index? 

As a part of Experian's commitment to educate consumers about credit, the company has created the Experian National Score Index through Formulated using the Experian-developed PLUS Score, the Experian National Score Index is designed to give consumers a better understanding of how their credit compares to that of other U.S. consumers. In addition, as the economic environment changes, the Experian National Score Index will offer insight into the changes in consumer financial behavior on a national, regional, state, and area level.

How do the credit bureaus obtain information? 

Credit bureaus obtain identification and credit information from credit grantors, such as banks, retailers, and collection agencies. Bureaus obtain monetary-related public record information directly from the court systems.

How long do the credit bureaus keep my credit information? 

         The credit bureaus keep your personal credit history for a period of approximately ten years. 

         Closed or Inactive Accounts - 10 years from the date of last activity. 

         Derogatory Accounts - 7 years from the date of original delinquency. 

         Public Records - 7 years from the date of payment or indefinitely if the Public Record is an unpaid tax lien. 

Chapter 7 Bankruptcies - 10 years from date filed.

How do I dispute inaccurate information on my credit report? 

You have the right to dispute any misinformation on your credit report. You should begin the dispute process by contacting the creditor responsible for the inaccuracy. The contact information for each of your creditors is listed at the end of your credit report. 

You can also dispute inaccurate information directly with the credit bureaus.