Toni requested a copy of her credit report, but now that it’s arrived, she has no clue what to do next. Tell her what she should be looking for and why.

She should have 3 reports-one from each credit bureau. There should be contact information for her to reach out to the credit bureaus and the companies if there is some incorrect information. It's also a good idea to use credit monitoring that's generally free through credit card companies and banks. It is good to use the report to talk with creditors and negotiate accounts, remaining balances and interest rates.

chilljain33 chilljain33 · Answer 2 · 2021-12-21T14:00:20+01:00

Toni is advised to thoroughly go through his credit report to check things contained in the credit report and conclude the results obtained thereof through the report.

The credit report includes various criterions such as the credit score where better the scores higher the chances of getting a loan, the name of the credit rating agency and the lender names of previous loans.

A credit report of an individual is a report that gives information about the credibility of such person in the market and the chances of such person of getting loans, credit cards, etc.

A credit report also discloses the history of repayments in the past and if the person has made any defaults in the repayments of the loans disbursed to him.

A credit report has a credit score which is calculated out of 900, score below 650 is considered weak, a score between 650-780 is considered to be good/average and a score above 780 is considered to be excellent.

Hence, Toni is advised to go through all the responses received on the credit report and thoroughly go through them.

To know more about credit report, go to the link below.

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