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Credit Frequently Asked Questions

About Credit

What is credit?

What is good credit? And how can I establish it?

What qualifies as a late payment, and what are the consequences?

I'm concerned about my credit. How can I improve it?

Can I apply for a loan if I don't have an established credit history?

Your Credit Report and Credit Score

What is a credit report?

What is a credit score?

How can I view my credit report?

How can I correct errors on my credit report?

How can I improve my credit score?

What if I am having trouble paying large debts?

Situations with Negative Impact

What is foreclosure?

What is repossession?

How does foreclosure or repossession affect a credit report?

What is bankruptcy?

How does bankruptcy affect a credit report?

How can I avoid credit problems?

To discuss your credit with an experienced loan consultant, call (800) 210-8849.

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