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Credit Report Online

Every lender will lend to you according to your credit rating below is a simple credit rating chart. Note: this chart will not effect chances of loans, many additional factors apply, including, equity, salary and etc. Applying for multiple loans and credit card will appear on future credit reports.


Credit rating is base on past delinquencies, derogatory payment behavior, current debt level, length of credit history, types of credit, number of inquiries.

680 A+ Excellent Chance Approval can be quick
Below 680 but above 620 A   Approval can take a day or so
Below 620 below 620 may not qualify of the best loan rates and terms offered, my have to pay a higher interest rate, due to high risk.
Errors: Fair Credit Reporting Act, to dispute the  accuracy of information in your credit report. When a credit agency receives a dispute, it must reinvestigate and record the current status of the disputed items within a "reasonable period of time," unless it believes the dispute is "frivolous or irrelevant." If the credit reporting agency cannot verify a disputed item, it must delete it.
Big three Credit Bureau Below

PO Box 105873 
Atlanta, GA 30348 
(800) 685-1111

PO Box 8030
Layton, UT 84041-8030 
(800) 520-1221

PO Box 390 
Springfield, PA 19064 
(800) 916-8800

Business Credit Reports 

View sample credit report

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