Credit Card Number 18 Years

What Credit Cards do I Qualify For?

Free Credit Search is a completely FREE web-based resource for credit card seekers. We provide real-time unbiased information to help you make informed decisions about your credit. By filling out our credit profile you can find out which banks will approve you BEFORE applying!

All information submitted on the application profile will be used to conduct a search of lending institutions which are willing to issue you a credit card(s) based upon your current credit, income and employment.

You must be 18 years of age or older and a citizen or permanent legal resident of the United States with a verifiable permanent U.S. home address and a valid social security number. You must reside within the continental United States including Hawaii and Alaska.

When you use our service, you will receive FREE results with the following information:

Your no obligation FREE results will be available within minutes of submitting your application. We will not pull a credit report to complete this search. Your results will be emailed directly to you after your search is complete.

How Long Can Negative Information Be Reported?

Your credit report contains a history of your credit activity. Negative items on your credit report will hurt your credit rating for a number of years.

Accurate negative information generally can be reported for seven years, but there are exceptions:

• Bankruptcy information can be reported for 10 years;
• Information reported because of an application for a job with a salary of more than $75,000 has no time limitation;
• Information reported because of an application for more than $150,000 worth of credit or life insurance has no time limitation;
• Information concerning a lawsuit or a judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer; and
• Default information concerning U.S. Government insured or guaranteed student loans can be reported for seven years after certain guarantor actions.

Credit Report Scores - Computing Then

Your credit report scores are based on factors that appear in your credit reports:

• Bill payment history (Good: on time and for the full amount)
• Total outstanding debt (Good: non-mortgage loan payments less than 5% of gross income)
• Types of debt (Good: mortgage, car loans, Bad: high credit card debt)
• Length of credit history (Good: 3 or more years of on time payments)
• Credit inqueries (Bad: many rejected applications)

The Equal Credit Opportunity Act (ECOA) prohibits certain factors from being used in determining your credit report score:

• Personal details such as sex, marital status, age, race, national origin, or because you receive public assistance income
• Sources of income such as regular alimony, child support, or separate maintenance payments

The Equal Credit Opportunity Act provides actions for you to take if suspect unauthorized factors are being used to deny you credit.

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Description:	Credit report scores affect your ability to get a loan, buy a home, and even get a job. Find out how to see and improve your score.
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