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Credit report is calculated using five factors: payment history, amount of outstanding debt, length of credit history, new credit and the sources of the credit in use. Credit reports also carry your credit score a numeric ranking between 300 and 850. The better your credit score the lower your interest rate. You can order a copy of your credit report from three primary credit reporting agencies are www.equifax.com www.transunion.com and www.experian.com
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