A credit provider can list a default on your credit report if: the payment has been overdue for at least 60 days.the overdue payment is equal to or more than $150.a notice has been sent to your last known address to let you know about the overdue payment and requesting payment.a second notice was sent […]

Lenders use your credit score (or credit rating) to decide whether to give you credit or lend you money. Knowing this can help you negotiate better deals or understand why a lender rejected you. Your credit score is based on personal and financial information about you that is kept in your credit report. You have […]