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Understanding Your Credit Report

  • Personal Identification Information
  • Late Payments
  • Foreclosure
  • Bankruptcy
  • Collection Accounts
  • Inquiries
  • Closed Accounts
  • Past Due Accounts
  • Judgements
  • Reposessions
  • Charge Offs

Credit Repair

 What is in a Credit Report?
 
Information in your credit report can be broken down into 5 main categories: 
  • Personal Information about you
  • Accounts reported monthly
  • Accounts reported when in default
  • Public Records
  • Inquiries

Credit Reports may also contain a credit score. 

Who can Look at Your Credit Report

The federal Fair Credit Reporting Act (FCRA) (15 U.S.C. 1681 and following) and state credit reporting laws restrict who can access your credit report and how it can be used.  The people and entities that can request your credit report include:
 
  • Employers
  • Government Agencies
  • Insurance Companies
  • Collection Agencies
  • Judgment Creditors
  • Potential Creditors
  • Landlords and Mortgage Lenders
  • Utility Companies
  • Student Loan and Grant Lenders
Apart from those listed above, most other people and businesses cannot legally request a copy of your credit report. For example, your credit report may not be used in divorce, child custody, immigration, and other legal proceedings.  Government agencies are allowed to look at your report in these cases only if they get a court order allowing them to do so.
 

Financial Services Of South Florida, Inc.

701 Promenade Drive Suite 230, Pembroke Pines, FL  33026

Phone: (954) 848-4289      Fax: (866) 365-9832 

EMAIL:  info@financialservicesfl.com        

 

Why Use Us!


Financial Services of South Florida, Inc has the expertise knowledge and experience to help you understand and analyze your credit report.  We also have tips on how to increase and improve your credit score.  In addition to this, the service that we provide to our clients is always at its best.  We are very well informed, trained and educated on the current laws regarding credit repair.


Our Experience Shows!
 
We have helped numerous and countless number of consumers increase and improve their credit scores.  We have also helped consumers remove inaccurate and incorrect information on their credit reports which affects your credibility and worthiness to creditors.  Your credit report is a type of reflection on what type of person you are.  Credit Reports today are used for multiple reasons.  Want to buy a house and get a loan for it? How about a car loan? How your credit report and score is affects your interest rate on credit cards, as well as new loans that you will have.
 
                                780      680     580

WHAT IS YOUR CREDIT SCORE?

 In case you were not aware, everything in today’s world is based off your credit report.  Getting a Mortgage, Car Loan, Credit Card, Bank Loan, apartment lease, or even a cell phone, require looking at your credit report!


We can help educate you in understanding your credit report and reviewing your credit to see how it can be improved.

 

Clean Up your Credit! Improve your Scores!

Call Now to Schedule an Appointment

Subpages (2): How Credit Scores are Calculated Tips for Raising Your Credit Score

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