{"id":879,"date":"2018-01-19T06:32:47","date_gmt":"2018-01-19T06:32:47","guid":{"rendered":"http:\/\/corpthemes.com\/wordpress\/consuloanv1\/?page_id=879"},"modified":"2021-05-27T17:10:10","modified_gmt":"2021-05-27T17:10:10","slug":"credit-education","status":"publish","type":"page","link":"https:\/\/hlpcredit.com\/credit-education\/","title":{"rendered":"Credit Education"},"content":{"rendered":"

[vc_row default_id=”themesflat_1516585553″ el_class=”aboutus-timeline” css=”.vc_custom_1596995526559{padding-top: 95px !important;padding-bottom: 93px !important;}” el_id=”servicesOne”][vc_column][vc_row_inner][vc_column_inner width=”1\/3″]

\r\n\t\t

\r\n\t\t\tCredit Education\t\t\t\r\n\t\t<\/h2>\t\r\n\t\t
<\/div>\t\t\t\r\n\t\t\r\n\r\n\t<\/div>[vc_column_text css=”.vc_custom_1596716407401{margin-bottom: 43px !important;}”]Everyone\u2019s financial situation doesn\u2019t always require credit repair. It is however extremely important to audit your credit reports before applying for credit. When we conduct the credit audit we see the same information your potential creditors will be reviewing and analyze your accounts reporting the same way they would when determining if they will grant you credit. Getting a credit audit will give you a chance to correct any errors or make other moves to improve your credit score before applying.[\/vc_column_text][vc_single_image image=”2085″ img_size=”full”][\/vc_column_inner][vc_column_inner width=”2\/3″ css=”.vc_custom_1596995559551{padding-top: 10px !important;padding-left: 50px !important;}” el_id=”servIn”]\r\n\t\t
\t\t\t\r\n\t\t\t\t
\r\n\t\t
\r\n\t\t\t
\t\t\r\n\t\t\t\t
\r\n\t\t\t\t\t01\t\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t
\r\n\t\t\t
<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t
\t\r\n\t\t\t\t
\r\n\t\t\t\t\t

\t\t\t\t\t\t\r\n\t\t\t\t\t\tWHAT IS A CREDIT SCORE AND HOW IS IT CALCULATED?\t\t\t\t\t\t\t\r\n\t\t\t\t\t<\/h3>\t\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t\t
\r\n\t\t\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\t\t

A credit score is a number that reflects the information in your credit report. The score summarizes your credit history and helps lenders predict how likely it is that you will repay a loan and make payments when they are due. Lenders may use credit scores in deciding whether to grant you credit, what terms you are offered or the rate you will pay on a loan.<\/p>\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t<\/div>\t\r\n\t

\r\n\t\t
\r\n\t\t\t
\t\t\r\n\t\t\t\t
\r\n\t\t\t\t\t02\t\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t
\r\n\t\t\t
<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t
\t\r\n\t\t\t\t
\r\n\t\t\t\t\t

\t\t\t\t\t\t\r\n\t\t\t\t\t\tINFORMATION USED TO CALCULATE YOUR CREDIT SCORE CAN INCLUDE:\t\t\t\t\t\t\t\r\n\t\t\t\t\t<\/h3>\t\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t\t
\r\n\t\t\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\t\t

\u2022\u00a0<\/strong>The number and type of accounts you have (credit cards, auto loans, mortgages, etc.);
\n\u2022\u00a0<\/strong>Whether you pay your bills on time;
\n\u2022\u00a0<\/strong>How much of your available credit you are currently using;
\n\u2022\u00a0<\/strong>Whether you have any collection actions against you;
\n\u2022\u00a0<\/strong>The amount of your outstanding debt; and
\n\u2022\u00a0<\/strong>The age of your accounts.<\/p>\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t<\/div>\t\r\n\t

\r\n\t\t
\r\n\t\t\t
\t\t\r\n\t\t\t\t
\r\n\t\t\t\t\t03\t\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t
\r\n\t\t\t
<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t
\t\r\n\t\t\t\t
\r\n\t\t\t\t\t

\t\t\t\t\t\t\r\n\t\t\t\t\t\tWHAT CAN CAUSE MY CREDIT SCORE TO CHANGE?\t\t\t\t\t\t\t\r\n\t\t\t\t\t<\/h3>\t\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t\t
\r\n\t\t\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\t\t

Because your credit score reflects the information in your credit report, changes to your credit report may cause your credit score to change. For instance, if you pay your bills late or incur more debt, your credit score may go down. However, if you pay down an outstanding balance on a credit card or mortgage or correct an error in your credit report, your credit score may go up.<\/p>\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t<\/div>\t\r\n\t

\r\n\t\t
\r\n\t\t\t
\t\t\r\n\t\t\t\t
\r\n\t\t\t\t\t04\t\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t
\r\n\t\t\t
<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t
\t\r\n\t\t\t\t
\r\n\t\t\t\t\t

\t\t\t\t\t\t\r\n\t\t\t\t\t\tHOW CAN I GET MY CREDIT SCORE?\t\t\t\t\t\t\t\r\n\t\t\t\t\t<\/h3>\t\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t\t
\r\n\t\t\t\t\t\t\t\t\t\t\t
\r\n\t\t\t\t\t\t\t

In some cases, a lender may tell you your credit score for free when you apply for credit. For example, if you apply for a mortgage, you will receive the credit score or scores that were used to determine whether the lender would extend credit to you and on what terms. You may also receive a free credit score or scores from lenders when you apply for other types of credit, such as an automobile loan or a credit card.<\/p>\n

\n

YOU MAY ALSO PURCHASE YOUR CREDIT SCORE FROM ANY OF THE CREDIT BUREAUS BY CALLING THEM OR VISITING THEIR WEBSITES.<\/strong><\/p>\n

Equifax:\u00a0Call 1-800-685-1111 or
\nvisit\u00a0www.equifax.com\/compare-products<\/a>
\nExperian:\u00a0Call 1-888-397-3742 or
\nvisit\u00a0www.experian.com\/consumer-products\/personal-credit.html<\/a>
\nTransUnion:\u00a0Call 1-800-493-2392 or
\nvisit\u00a0www.transunion.com<\/a><\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t<\/div>\t\r\n\t\t\t\t\r\n\t\t<\/div>\r\n\t[vc_raw_html]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[\/vc_raw_html][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” parallax=”content-moving” parallax_image=”552″ parallax_speed_bg=”2.5″ overlay_color=”rgba(15,54,97,0.8)” default_id=”themesflat_1514948928″ css=”.vc_custom_1596699566804{padding-top: 74px !important;padding-bottom: 50px !important;}”][vc_column][vc_row_inner][vc_column_inner]

\r\n\t\t

\r\n\t\t\tInterested In a Credit Consultation?\t\t\t\r\n\t\t<\/h2>\t\r\n\t\t\t\t\t\r\n\t\t\r\n\t\t\t
\r\n\t\t\t\t

Provide discussion information and we\u2019ll get back to you as soon as possible<\/p>\n\r\n\t\t\t<\/div>\r\n\r\n\t<\/div>\n

\n

<\/p>