Your credit report portrays an insightful picture about your borrowing habits and financial management. Here’s a straightforward breakdown:  What’s Inside a Credit Report? What is Recorded or Portrayed?  Judgments and Defaults Matter: What’s Not in Your Credit Report?  Understanding your credit report is a vital step in managing your financial health. At ThreeSixty.me, we’re here to empower you with insights…

As highlighted by the credit industry’s governing body, the National Credit Regulator (NCR), there are varying retention periods connected to the different categories of your credit information:  Credit Info – Consumers:  Holding Time Period – Details:   Information and outcomes of complaints by you, the consumer.    18 Months   Credit information requests – the number of requests made on your record, including…

Your credit profile is like your ‘financial resume’. It’s not only a record of your past financial decision makings, but it plays a critical factor when you apply for credit like loans or credit cards.   When you apply for the opportunity to borrow money, your credit history on your profile will take center stage. Companies do a credit history check…