Earn up to 102% more with a FirstLight Federal Credit Union savings deposit
Save up to $702 with a FirstLight Federal Credit Union credit card
Earn up to 23% more with a FirstLight Federal Credit Union IRA
Save up to $1,481 with a FirstLight Federal Credit Union RV loan
Earn up to 134% more with a FirstLight Federal Credit Union money market1 Share Certificate
Earn up to 72% more with a FirstLight Federal Credit Union checking account
Texas, Save up to $32,953 with a FirstLight Federal Credit Union mortgage
New Mexico, Save up to $26,542 with a FirstLight Federal Credit Union mortgage
Las Cruces, Save up to $29,338 with a FirstLight Federal Credit Union mortgage
Credit reports are divided into the following four sections:
Most reports begin with your personal identification information. It lists your name and any former names or aliases, your current address and former addresses, and sometimes your employment history and marital status.
The bulk of a credit report is dedicated to your history of handling credit. It includes:
Creditors and account numbers
The date accounts were opened
Credit limits or original balances
Whether accounts are individually or jointly held
Balances and payment patterns for the last 24 to 36 months
Whether accounts are in collections or in dispute
This section shows public records that are related to credit worthiness, such as liens, bankruptcies, repossessions, judgments, foreclosures, and court-ordered child support arrears.
This section lists anyone who has accessed your credit report. Inquiries can either be "hard" or "soft." A hard inquiry is one that results from an application or transaction initiated by you, such as applying for a new credit card.
A soft inquiry occurs when you pull your credit report or your credit report is checked for reasons not related to credit applications. The only person who can see the soft inquiries on your credit report is you.