Who checks my credit history when I apply for a credit card?
Creditors. Current or potential creditors — like credit card issuers, auto lenders and mortgage lenders — can pull your credit score and report to determine creditworthiness as well.
How can I wipe my credit clean?
How to Clean Up Your Credit Report
- Pull Your Credit Reports. …
- Go Through Your Credit Reports Line by Line. …
- Challenge Any Errors. …
- Try to Get Past-Due Accounts Off Your Report. …
- Lower Your Credit Utilization Ratio. …
- Take Care of Outstanding Collections. …
- Repeat Steps 1 Through 6 Periodically.
How long does a 30-day late stay on credit report?
seven years
When Will a 30-Day Late Payment Fall Off Your Credit Report? A 30-day late payment stays on your credit report for seven years, at which point it will automatically drop off your credit report and no longer affect your credit score.
What is considered a good credit score?
670 to 739
Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.
How many years is an excellent credit history?
Seven years
Seven years is deemed a reasonable amount of time to establish a good credit history. After seven years, most negative items will fall off your credit report.