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The amount of credit you owe also affects your credit score in a big way.If your credit-to- debt ratio (how much you owe compared to your available credit) is low, your credit score will benefit, since it illustrates that you don’t rely too much on credit.Trans Union is a US based credit information provider that distributes its scores to about 500 million consumers. Your credit report is a document that lenders use to determine your credit worthiness.

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A lender or credit card provider who looks at your credit score will be able to determine right away if you’re a borrower who can be trusted to pay back the money they lend you.Credit scores are calculated from the information in your credit report, a file containing all of your credit and financial activity over the months and years.The 3 major credit bureaus include Equifax, Trans Union, and Equifax.Not all credit reports will be equal as not all information is relayed to each credit bureau.They will typically do a hard credit inquiry, which can lower your score slightly, compared to a soft credit pull that is usually done to just view your credit report.

If you are applying for a mortgage to buy a new home or you want to lease a new car, the lender who is providing you the loan will then pull your credit report in order to determine if you are eligible for a loan, also known as your creditworthiness.You can figure out your utilization rate by dividing your total credit balances by your total credit limits.Sometimes it’s good to mix things up once in a while.Lenders will want to know you credit report and score to determine your ability to hold a loan.A free Credit Sesame account utilizes information from Trans Union, one of the three credit reports from the major national credit bureaus.Do you site on the timely or late side paying your bills? How many loans have you successfully paid off in full?