Frequently Asked Questions
What is the contact information for customer service?
Customer Support is available by calling (866) 444-1837.
What is my credit report?
Your credit history is neatly summed up in what’s called a credit report. It includes the account history information you might
expect, along with your employment and personal information (among other things). More than one credit report company or bureau
keeps records on you as well. These include Equifax, Experian, and TransUnion. While they all record the same information, it’s
important to note that they don’t share this information with each other.
Who can access my credit report?
Several entities can access you credit report for a fee. Employers, insurers, landlords, lenders and more will use your credit
report to find out what kind of credit risk you are. It helps them determine whether or not they will do business with you.
Do they record everything?
The quick answer to this is no. Understanding what they don’t record can be important. For example, it may come as a relief to
know that after ten years, bankruptcies are removed from your credit report. Inactive/closed accounts can take up to eleven years
to be removed, while resolved delinquent accounts or collection items are removed after seven years.
What is the credit score range and what does it mean?
It’s important to note that your credit score may be up to 50 points different from company to company. Typical scores are between
600 and 750, with the overall range usually falling between 350 and 850. You want the highest score you can get to secure the most
favorable credit or loan.
Why is my credit score so important?
If you have a score of 650 or above, you can expect a favorable “prime” interest rate. If your score is between 620 and 650, you
are considered more of a credit risk, but still qualify for a good loan. You will most likely have to provide further documentation
to secure the loan however. Finally, if your score is below 620, you may qualify for a smaller loan than you anticipated, with a
less than desirable “subprime” interest rate. The difference of just a few percentage points in your rate translates into several
thousand dollars over the length of the loan. This money goes into lenders pockets instead of your own—negatively affecting your
purchasing power.
What can my credit score affect?
When lenders decide whether or not to give you a loan or extend credit, they look at your credit score. Your credit score is a
number evaluation that lenders use to gauge credit worthiness. Your credit score can affect (but is not limited to) your credit limit,
loan amount, interest rate and loan terms.
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