FREE Credit Report 2017-12-14T12:30:03+00:00

How to Use a Credit Report

 

STEP 2: Color Your Credit

  1. Black Out – Accounts that are:
    • Closed
    • Derogatory accounts with $0 balance and hasn’t reported in the last 24 months
  2. Color Green – Accounts that are:
    • Open
    • Reporting to all 3 bureaus
    • Date reported and activity within last 24 months
    • Balance below 20% of limit I, CRAYON 4 months
  3. Color Red– Accounts that are:
    • Open
    • Revolving
    • Balance showing more than 20% of limit
  4. Color Yellow – Accounts that are:
    • Open
    • Revolving
    • Date last activity is 6 months or more
  5. Color Blue:
    • Deferred Accounts
      • Student loans or notes
  6. Color Purple:
    • Derogatory Accounts
      • Any accounts that needs to be disputed, settled or correction needed
  7. Color Orange:
    • Any accounts currently in dispute
Learn how to read your credit report
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