Low Income Housing in Bowling Green, KY

Low Income Housing in Bowling Green, KYLow Income Housing in Bowling Green, KYLow Income Housing in Bowling Green, KY

CREDIT

HANDS can help you understand your credit report and help assist you on working on your credit.  To get help with your credit report contact HANDS @ 271-796-4176 or email us @ help@handsinc.net


CREDIT REPORT

If you have a current credit report we can use it to help advise you on how to clean up your credit and/or help raise your credit scores.  HANDS can also pull a tri-merge credit report for a charge of $27.00 for an individual and $42.00 for a married couple.  

Money is non-refundable.


WHY IS CREDIT IMPORTANT?

Having good credit is important to be able to get the following:

  • Housing - rental or homeownership
  • Any type of loans - mortgage, auto, personal and etc
  • To get utilities in your name
  • To get a credit card 
  • To get store credit
  • Some jobs request good credit


THINGS TO REMEMBER 

  • Good credit is a necessity
  • Do not over extend
  • Make your payment on time
  • Cleaning up your credit will not happen overnight



WHAT IS ON YOUR CREDIT REPORT?

  • Personal information –  including your name, social security number, addresses past & present and employers past & present.


  • Seven years of payment history on credit accounts


  • Public records – including judgments, bankruptcies, tax liens, foreclosures, repossessions, etc


  • Inquires for credit in the past 90 days


  • You can also put Consumer statement (up to 100 words)


Accounts remain on your credit file for seven years after the date paid or the date last active.  Bankruptcies stay on for 10 years.  Judgements, federal liens and other court ordered records remain until paid.