Authorized User

Did you know that you may be an authorized user on someone else’s credit card and this will appear on YOUR credit report. Review this carefully because if the authorized user isn’t paying their bill, this will affect your credit score and report.
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Did you know?

Anything over 7 years without any “activity” should be removed from your credit report. Except for bankruptcy and judgments.
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Any credit “event” will lower your credit score

Just the nature of a credit event will impact your credit score to the downside. Once the credit issue is identified, your score will slowly rise back up.
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Moving around too much

Did you know that moving from place to place will lower your credit score quite a bit.
It is advised to use a permanent address when applying for credit if possible.
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Credit reports

Did you know a score of 700 is a great starting point for creditors.
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