Hey Matt I was wondering what is a credit score and report are do you know?
Well John I do know what those things are. I'll be glad to tell you.
A credit report is simply showing an individuals financial history and their ability to pay back the borrower.
A credit score is a number assigned to a person that represents their capacity to repay a loan.
How long do negative items stay on the credit report?
That is a great question. Negative items on a credit report generally stay their 7 to 10 years but after so much time it does not affect you as much as long as you are making payments.
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