LifeLock 2015 Annual Report Download - page 153

For example, your credit score from a month ago may have changed if there has been any recent activity on your credit file. A number of factors
can affect your credit score, including:
 Payment history
 Public records
 The length of your credit history
 Any new accounts you may have opened
 Inquiries into your credit file
 How many accounts you have in use
VantageScore model - The VantageScore provided under the offer described here uses a proprietary credit model designed by VantageScore
Solutions, LLC. There are numerous other credit scores and models in the marketplace, including different VantageScores. Please keep in mind
third parties may use a different credit score when evaluating your creditworthiness. Also, third parties will take into consideration items other
than your credit score or information found in your credit file, such as your income..
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A credit report contains information about your credit card and loan history, including how you make your payments and how much debt you
have, and it may contain records of action taken against you because of outstanding bills.
Lenders, landlords and other service providers and third parties buy your credit information in the form of a credit report to help them decide
whether to approve your application for a loan, credit card, or housing, or to offer you a product or service at a particular rate.
Equifax is one of the leading credit reporting agencies in the United States. The other two major credit bureaus are Experian and TransUnion.
Each credit agency maintains information about your credit history.
While all consumers are eligible for one annual free credit report from Equifax, Experian and TransUnion, it's helpful to review your credit
information regularly to check its accuracy, as these 3-bureau credit reports change regularly. Equifax credit monitoring products can help you
monitor and protect your credit by alerting you of any changes to your credit report.
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Your Credit Report from Equifax, Experian and TransUnion includes the following information:
Personal information compiled from credit applications you've filled out. This information normally includes your name, current and recent
addresses, Social Security number, date of birth, and current and previous employers.
Credit history. The bulk of your credit report consists of details about credit accounts that were opened in your name or that list you as an
authorized user. Account details, which are supplied by creditors with which you have an account, include the date the account was opened, the
credit limit or amount of the loan, the payment terms, the balance, and a history that shows whether or not you've paid the account on time.
Closed or inactive accounts, depending on the manner in which they were paid, generally stay on your report for 7 years from the date of their
last activity.
Credit report inquiries. Credit reporting agencies record an inquiry whenever your credit report is shown to another party, such as a lender,
service provider, landlord or insurer. Inquiries remain on your credit report for up to two years.
Public records. Matters of public record obtained from government sources such as courts of law - including liens, bankruptcies and overdue
child support - may appear on your credit report. Excluding criminal convictions, most negative public record information stays on your credit
report for 7 years.
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Generally, your 3-bureau credit reports from Equifax, Experian and TransUnion do not include information about your checking or savings
accounts, bankruptcies that are more than 10 years old, charged-off or debts placed for collection that are more than 7 years old, gender,
ethnicity, religion, political affiliation, medical history or criminal record. Also, your credit score is generated by information on your credit report,
but is not part of the report itself.
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