An external credit scoring model is a third-party system that uses your credit history to generate a...
An enhanced credit profile incorporates non-traditional payment data such as rent and utilities to help...
A dunning letter is a formal demand sent by a creditor requesting payment of a past-due debt. Understanding...
A credit supplement is a lender-initiated request to update or correct your credit report quickly, often...
Credit score bands categorize your credit score into ranges like poor, fair, good, very good, and excellent,...
Credit obligations are legally binding promises to repay borrowed money, such as loans or credit card...
A credit investigation is the formal process initiated when you dispute inaccurate information on your...
Alternative credit data includes financial information outside traditional credit reports, like rent...
A trade line is an individual credit account listed on your credit report, detailing your borrowing and...
A credit event is a defined financial incident signaling serious borrower distress, often triggering...