Credit Report Cortlandt Manor NY

A credit report in Cortlandt Manor can help or hurt you, depending on how well you’ve managed credit in the past. If you’ve had little or no credit, lenders won’t have much to go on, so you may not be approved.

Local Companies

Chase Bank
(914) 946-6210
1 N Lexington Ave
White Plains, NY
Wells Fargo - Ossining
3 Pleasantville Rd
Ossining, NY
Bank of America - North Plank Rd
86 North Plank Rd
Newburgh, NY
Citizens Bank - West Haverstraw
26 South Route 9W
W. Haverstraw, NY
Wells Fargo - Katonah
262 Katonah Ave
Katonah, NY
Chase Bank
(914) 234-0934
420 Old Post Rd
Bedford, NY
TD Bank
(914) 428-3526
285 Mamaroneck Avenue
White Plains, NY
TD Bank
(845) 354-0390
81 W Ramapo Road
Garnerville, NY
Citizens Bank - Spring Valley
253 N. Main Street
Spring Valley, NY
Bank of America - Springvale
2042 Albany Post Rd
Croton-on-Hudson, NY

If you’ve ever applied for a loan or credit card, a credit check has been an integral part of the approval process for the lender. Your credit report is used to determine whether or not they are willing to do business with you. This is why many consumers cringe when they hear the words “credit report.”

A credit report can help or hurt you, depending on how well you’ve managed credit in the past. If you’ve had little or no credit, lenders won’t have much to go on, so you may not be approved. If you’ve gotten behind on payments or run up more debt than you could handle in the past, lenders may determine that you’re too risky to work with. But if you’ve kept your debt manageable and made your payments on time, you shouldn’t have much trouble borrowing money.

Credit reports contain extensive information regarding your credit history. Here is what you will find on your report:

  • Y

    our name and address history – Your creditors inform the credit bureaus of changes in your name and address. This information should be up to date if you have open accounts, but otherwise it might not be.

  • Your Social Security Number – This is used to track your credit information and make sure that it is included in the correct report.

  • The names of your creditors, account numbers and account types – This indicates who you borrowed from and the nature of each account. Common types include installment loan, revolving credit, auto loan and home loan.

  • The dates your accounts were opened – If you have closed accounts, the date closed will be shown as well.

  • Your credit limit or high credit and balance – A credit limit is shown for credit cards and lines of credit. For loans, the highest balance is shown. The current balance is also included.
  • The amount past due on each account – If you are behind, the creditor will report how much you need to pay to make your payments current.

  • Number and length of delinquencies – Each time you are late with a payment, your creditor reports it. Delinquencies are broken down into three groups: 30-60 days late, 60-90 days late, and over 90 days late. Visit Credit Card Watch to see what can happen at Chase if you miss a credit card payment.

  • Accounts in collections – If a creditor has turned your account over to a collections agency due to non-payment, this will be noted on your credit report.

  • Credit inquiries – When a lender checks your credit, the credit bureau makes a note in your file. Inquiries remain on your report for 90 days.
  • Public records – If you’ve had a judgment filed against you or filed for bankruptcy, the credit bureau will learn about it through public records and display it on your credit report.
  • All this information plays an important role in a lender’s determination of your creditworthiness, but it’s not the whole story. Lenders also look at a number of other factors, including income, employment history and debt-to-income ratio. Keeping your credit report in good shape is very important, but even a perfect credit score doesn’t guarantee that you’ll be able to borrow all the money you want.

    Click here to read more from

    Related Articles
    - Best Credit Repair Service Cortlandt Manor NY
    Choosing the right credit repair service is not an easy job with the number of companies out there. However, there are a number of ways to find out which credit repair company has a good reputation, and which ones have a lot of unhappy customers. Credit repair is never an exact science with 100 percent guarantees, but the right company can at least vastly improve your credit standing.
    - Credit Counseling for Credit Repair Cortlandt Manor NY
    - Credit Reporting Agencies Cortlandt Manor NY
    - Finding Perfect Bad Credit Company Cortlandt Manor NY