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LOCATIONSLOAN OPTIONSHOW IT WORKSABOUTCONTACT USApply Now!(214) 381-3333
(214) 381-3333
LOCATIONSLOAN OPTIONSHOW IT WORKSABOUTCONTACT USApply Now!(214) 381-3333

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Understanding Your Credit Report

Currently, having good credit defines much of people's financial journey. Having good credit determines if you qualify for a loan to buy your dream home, getting a loan for a car and even to be approved for an apartment. Credit determines how much you will pay back on a loan. This is why it is important to understand your credit report.

 

One of the most important parts of your credit report is your credit history, as it accounts for 35% of your score. Account information is compromised of any credit cards, loans and mortgage. Payment history will include any late payments you have made. It is also important to review your credit limit and credit balance. Lastly, your account status will show if you have any accounts open, closed, or in collections.

 

On your credit report you will be able to view any hard inquires and soft inquires. A hard inquiry will affect your score slightly; it occurs when applying for credit. Soft inquiries are from pre-approvals, and they do not affect your score.

 

Your public record will also be reflected on your report; it will show any bankruptcies, tax liens and judgements. These will show for 7 to 10 years and will heavily impact your score.

 

If there are any discrepancies on your report, you can dispute it with the credit bureau as long as you have evidence. Sometimes it's hard to truly budget for all time and money for unexpected expenses.Check N Title Loans offers title loans throughout Dallas/Fort Worth if you're ever in need of some extra cash.

 

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(214) 381-3333

*Rules and restrictions may apply. This licensed business is regulated by the Office of Consumer Credit Commissioner. 3821 S Buckner, Blvd, Dallas TX 75227

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(682) 841-1356
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- Rules and restrictions may apply. This licensed business is regulated by the Office of Consumer Credit Commissioner. 3821 S Buckner, Blvd, Dallas TX 75227

- Customer Notice: Advance of money and extensions of credit should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling. The Website does not constitute an offer or solicitation to offer a loan.

- Not all loan applications or extension requests are approved. Due to state, verification and approval requirements, not all applicants for online loans will be eligible for approval by Check N Title Loans or third-party lenders.

- A 'pre-approval' does not mean that you will receive a loan. For final approval, you must meet certain criteria and verifications.

- Some customers applying for Check N Title Loans or third-party lender loans may be required to submit additional documentation due to state law and qualification criteria.

- We do not perform traditional credit checks as part of our credit transaction approval process, but do verify applicant information via national databases including, but not limited to, DataX and Clarity. If you have defaulted on past obligations, you may be declined for a extension of credit or cash advance from this lender. Maximum funded amount for Check N Title Loans or third-party lender loans depends on qualification criteria and state law. See Rates & Terms for details.

- Check N Title Loans complies with applicable collection laws. Check N Title Loans will contact you using one or more authorized communication methods.