Payment History - CREDIT REPORT

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CREDIT REPORT: Payment history


The most important factors considered in credit evaluation are those that relate to an individual’s history of repaying loans and any evidence of non- credit-related collections or money-related public actions. Credit evaluators consider whether an indi- vidual has a history of repaying balances on credit accounts in a timely fashion. The analysis takes into account not only the frequency of any repayment problems but also their severity (lateness), date of occurrence (newness), and dollar magnitude. Eval- uators assess repayment performance on the full range of accounts that an individual holds, dis- tinguishing accounts by type (such as revolving, installment, or mortgage) and by source (such as banking institution, finance company, or retailer). In general, an individual with serious deficien- cies in repayment performance, such as a credit account that is currently delinquent, will find quali- fying for new credit difficult, may face higher inter- est rates for the credit received, or may be lim- ited in further borrowing on existing revolving accounts.

ADDITIONAL CREDIT REPORT RELATED FACTS

Negative Information On Your Credit ReportNegative Information On Your Credit Report
Negative Information On Your ReportNegative Information On Your Report
What’s On A Credit Bureau ReportWhat’s On A Credit Bureau Report
Credit Report ComplainsCredit Report Complains
Analyzing Your Credit ReportAnalyzing Your Credit Report
How Can I Improve My Credit Information If I Have Been Adversely Affected?How Can I Improve My Credit Information If I Have Been Adversely Affected?
What If I Find Errors — Either Inaccuracies Or Incomplete Information — In My Credit ReportWhat If I Find Errors — Either Inaccuracies Or Incomplete Information — In My Credit Report
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