How much do u know about credit....

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I am in the mortgage field and wanted to know how much do you know about credit.....and also i wanted to give a few credit tips....because i love talking about credit....because most people don't have a clue or don't know where to start when it comes to credit...so here are a few tips for u. 1. There are hundred if not thousands of credit reporting agencies...However the most important three that show up on your credit are equifax....transunion...experian 2. There are 5 factor that factor in your credit score...payment history, account balances, length of credit history, public records, and inquiries. 3. There are 2 types of credit pull 1. soft hit and a hard hit...A soft hit is when u apply for something and you are not wanting money..which does not have an affect on your credit score...the other is a hard hit when you are asking for money...and each hit can count against you.. 4. There is a status of limitation that a creditor can report a debt...depending on your state...md, dc, and va is 3 years. 5. As we all should know bk 7, bk 13 stay on your credit report for up to 7-10 years...derogatories will report for 7... and the tip number 6. 6. the best place to get a copy of your credit report is from annualcreditreport.com I hope these tips can help someone who doesn't know....so what do u know about credit...