Sample credit report - MFI Credit Solutions 2025

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These five categories are: identifying information, credit accounts, credit inquiries, bankruptcy public records, and collections.
Learn about your credit report and how to get a copy Online by visiting AnnualCreditReport.com. By calling 1-877-322-8228 (TTY: 1-800-821-7232) By filling out the Annual Credit Report request form and mailing it to: Annual Credit Report Request Service. PO Box 105281. Atlanta, GA 30348-5281.
In the U.S., there are three national credit bureaus (Equifax, Experian and TransUnion) that house credit histories on most of us. Each of these agencies uses the FICO Score algorithm to produce a version of the FICO Score based on the data they collect on each consumer.
Different models such as the 5Cs of credit (Character, Capacity, Capital, Collateral and Conditions); the 5Ps (Person, Payment, Principal, Purpose and Protection), the LAPP (Liquidity, Activity, Profitability and Potential), the CAMPARI (Character, Ability, Margin, Purpose, Amount, Repayment and Insurance) model and
Metro2 Format is the current standard format for reporting credit. It meets all the requirements of the Fair Credit Reporting Act (FCRA), the Fair Credit Billing Act (FCBA), and the Equal Credit Opportunity Act (ECOA). It allows most accurate and complete information on consumers credit history.
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