Board index › Off Topic Discussion › Random Discussion

Credit History

Page 1 of 1 [ 4 posts ] 

Previous topic | Next topic

Kitty4670
Veteran
Veteran

User avatar

Joined: 18 Nov 2014
Gender: Female
Posts: 8,680
Location: California,USA

08 Feb 2024, 8:55 pm

Is credit history different than credit score?



Blue_Star
Velociraptor
Velociraptor

User avatar

Joined: 3 Sep 2009
Age: 43
Gender: Female
Posts: 468

08 Feb 2024, 10:10 pm

Your credit history is what is used to calc the credit score. How long has each account been open? How much debt on each account vs the limit for that account? Total debt vs total limits. Negative things such as missed payments & collections are included. It's the last seven years that matter, iirc.



Kitty4670
Veteran
Veteran

User avatar

Joined: 18 Nov 2014
Gender: Female
Posts: 8,680
Location: California,USA

21 Feb 2024, 3:30 am

Blue_Star wrote:
Your credit history is what is used to calc the credit score. How long has each account been open? How much debt on each account vs the limit for that account? Total debt vs total limits. Negative things such as missed payments & collections are included. It's the last seven years that matter, iirc.


Thanks, I don’t have any debt & I always pay on time, my credit score is very great.



blitzkrieg
Veteran
Veteran

Joined: 8 Jun 2011
Age: 115
Gender: Non-binary
Posts: 17,820
Location: The line in the sand

21 Feb 2024, 9:06 am

Kitty4670 wrote:
Blue_Star wrote:
Your credit history is what is used to calc the credit score. How long has each account been open? How much debt on each account vs the limit for that account? Total debt vs total limits. Negative things such as missed payments & collections are included. It's the last seven years that matter, iirc.


Thanks, I don’t have any debt & I always pay on time, my credit score is very great.


There are tools like Experian and others where you can check your score.