Credit Center

Please click on the section you wish to learn about.

This section summarizes your credit status. You should pay special attention to the information on past due and delinquent accounts, as those can negatively affect your credit. Knowing the different account types will help you understand your report. They are:

Installment - These are accounts like a car loan. You borrow a specific amount of money and make regular payments, with interest.

Revolving - These are accounts like a credit card. You have a credit limit and can pay off the amount of money you borrow in different ways.

Account Details

Total Account Balance:	Total balance of all reported Installment and Revolving accounts.
Total Accounts:	Total number of reported accounts on your report, including credit/loan and collection accounts.
Satisfactory Accounts:	Total accounts that have had no late or delinquent payments.
Account Paid in Full:	Accounts that have been paid off completely.
Oldest Account Opened:	Earliest date you opened an account.

Installment and Revolving Accounts

Installment Balance:	Total unpaid balance on all installment accounts.
Monthly Payment:	Combined monthly payment for all revolving and installment accounts.

Past Due Accounts

Past Due Accounts:	Number of reported accounts past due. NOTE - Recent changes to your account might still be in process at your creditor or the credit bureau.
Total Past Due Amount:	Total amount past due (in dollars) for all reported accounts.
Current Delinquent Accounts:	Number of accounts that are currently delinquent.
Previous Delinquent Accounts:	Number of accounts that have been delinquent in the past, but are not delinquent now.

No. of Times Delinquent in Past 7 Years

30 Days Delinquent:	Number of times any account has recorded a payment that was 30-59 days late.
60 Days Delinquent:	Number of times any account has recorded a payment that was 60-89 days late.
90+ Days Delinquent:	Number of times any account has recorded a payment that was 90 or more days late.

Report Inquiries

Total Inquiries:	Total number of credit inquiries that were reported. (The following are a few of the types of companies that can make inquiries - banks, department stores, auto dealerships, cell phone or credit card providers.)
Inquiries in Last 6 Months:	Number of inquiries in the last 6 months.