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You’re required to maintain a password for your credit account. When you set up your account, you’ll be required to choose a password and answer your security questions. If your answers don’t match the information stored with your account, you’ll be prompted to change your password. You should never use the same password on multiple accounts.
Every time you sign in to your account, you’ll be prompted to confirm your security questions and answers.
“Unfortunately, we can’t change your credit score or credit report,” a representative with the Experian credit bureau said. “We have no way to access your credit score, so we can’t change your score.”
Once you’ve been approved, your credit report may show a short delay between the time you are approved for credit and the time you receive your first bill. You should receive your first statement within 30 days.
No one is able to access your credit score. There’s no one score that can predict your credit history. Rather, there are several different credit scores, each with a different purpose. It’s the combination of these scores, along with other variables, that determines your credit worthiness.
Most credit bureaus can only give you your credit score. You can’t buy or sell your credit history. But the number you see may be different from the number your lender uses when lending you money.
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Your FICO score can be found on your credit report. Although a different report, such as Experian’s credit report, may not have your FICO score, it may show other credit reports, including one from a credit reporting agency.
The FICO score is a three-digit number. Each of the three digits represents a different category of creditworthiness. A score of 707 is considered a good score. A score of 821 is considered excellent. A score of 604 is considered poor. Scores below 620 are considered risky.
Your score may be higher or lower than your lender’s score. You’ll be able to compare your lender’s score with your own. However, a lender is required to disclose only the number it uses, not the entire score.
A few factors affect your score. Your credit
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