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  • Hey Melissa, what are 3 things I should know about credit reports?
  • Glad you asked Ben. The first things is that your credit report is based on 5 factors...
  • You should also know that negative information does eventually wear off, so don't stress yourself out too much if you mess up
  • Those things are payment history, credit utilization, average credit age, account mix and inquiries.
  • Yes, one thing people overlook is that credit reports are not the only things that matter for lending decisions. You will need to have overall good history, reports, and scores
  • Thank you so much! Anything else I should know before I leave?
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