{"id":2600,"date":"2018-09-08T23:00:23","date_gmt":"2018-09-08T23:00:23","guid":{"rendered":"https:\/\/phoenixfreshstartbankruptcy.com\/?p=2600"},"modified":"2018-09-08T23:00:23","modified_gmt":"2018-09-08T23:00:23","slug":"arizona-credit-report","status":"publish","type":"post","link":"https:\/\/phoenixfreshstartbankruptcy.com\/arizona-credit-report\/","title":{"rendered":"Arizona Credit Reports"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"Arizona_Credit_Reports_and_Bankruptcy\"><\/span>Arizona Credit Reports and Bankruptcy<span class=\"ez-toc-section-end\"><\/span><\/h2><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-6627321203329\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6627321203329\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/arizona-credit-report\/#Arizona_Credit_Reports_and_Bankruptcy\" title=\"Arizona Credit Reports and Bankruptcy\">Arizona Credit Reports and Bankruptcy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/arizona-credit-report\/#Contact_Us\" title=\"Contact Us\">Contact Us<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>At the core, most of our clients aren\u2019t just looking to file bankruptcy to get out of debt. Most of our clients are really searching for a way to get back into the financial mainstream. They aren\u2019t looking to get back in debt but to have the options that they used to enjoy before their debts became unmanageable.<span class=\"m_899842903481320747Apple-converted-space\">\u00a0<\/span><\/p>\n<p>Since getting back into the financial mainstream after bankruptcy is important. We pay a company to help our clients rebuild their credit scores and we provide this service at no additional charge. The first step of <a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/repair-your-credit-score\/\">rebuilding credit after bankruptcy<\/a> is understanding how a credit report works.<\/p>\n<p>A credit report is simply a record of your borrowing and repayment history.<span class=\"m_899842903481320747Apple-converted-space\">\u00a0\u00a0<\/span>You likely have a record on file with the three major national credit bureaus, Experian, Equifax, and TransUnion. Most of your creditors submit monthly electronic reports on the status of our accounts. You can\u2019t get away with much without having all of the particulars reported to at least two out of the three major national credit bureaus.<\/p>\n<p>The report will list the date you initiated your account, the type of account (mortgage, credit card, etc.). It will also reflect whether the account is now open or closed, the amount of your monthly payment, the latest activity on the account, the current balance, your credit limit as well as any amounts that are past due.<\/p>\n<p>Each of your accounts has a code that notes whether the account is current and if it is past due for how long. It will show whether the account involves a charge off, repo or any other collection activity.<span class=\"m_899842903481320747Apple-converted-space\">\u00a0\u00a0<\/span>The report will also list under \u201cinquiries\u201d who has asked for a copy of your credit report within the last two years.\u00a0<span class=\"m_899842903481320747Apple-converted-space\">\u00a0<\/span><\/p>\n<p>Most would be creditors will not look at any of this information but will focus only on your credit score, the mathematical representation of all the individual items in your credit report. Credit scores range from 350 to 900.\u00a0<span class=\"m_899842903481320747Apple-converted-space\">\u00a0\u00a0<\/span>The biggest negative factor on your credit score is when a debt is reported as 30 or 60 days overdue.<span class=\"m_899842903481320747Apple-converted-space\">\u00a0\u00a0<\/span>Another huge negative takes place when your account is turned over to a collector.\u00a0<span class=\"m_899842903481320747Apple-converted-space\">\u00a0<\/span><\/p>\n<p>Most utilities will not report your delinquent status until they deem the balance is uncollectible. This means that there may be no negative impact on your score to be late in paying your utilities.<span class=\"m_899842903481320747Apple-converted-space\">\u00a0<\/span><\/p>\n<p>Surprisingly most medical providers will not report your debt to a credit reporting agency.<span class=\"m_899842903481320747Apple-converted-space\">\u00a0\u00a0<\/span>It is only when a medical debt is turned over to a collector that the debt is normally reported. Unfortunately, most medical providers are pretty quick to turn over accounts to collectors. Though landlords are unlikely to report back due rent to a credit bureau, larger landlords are likely to report problems to tenant screening companies that landlords use to evaluate applicants.<span class=\"m_899842903481320747Apple-converted-space\">\u00a0\u00a0<\/span>This means that back due rent and evictions won\u2019t have much of an impact on your score, but your rent payments are less likely to affect your credit score than your ability to find another apartment.<\/p>\n<p>The vast majority of public records, such as tax liens, collections lawsuits, and judgments are not factored into your score.<span class=\"m_899842903481320747Apple-converted-space\">\u00a0\u00a0<\/span>However, the underlying back due debts are reported even if the judgment goes unmentioned.<span class=\"m_899842903481320747Apple-converted-space\">\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Contact_Us\"><\/span>Contact Us<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Set up a consultation at Phoenix Fresh Start Bankruptcy Attorneys to see how <a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/bankruptcy-myths\/\">bankruptcy<\/a> could be the route to returning to the financial mainstream. You can have the <a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/bankruptcy-improve-credit-score\/\">credit score<\/a> that has been eluding you.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Arizona Credit Reports and Bankruptcy At the core, most of our clients aren\u2019t just looking to file bankruptcy to get out of debt. Most of our clients are really searching for a way to get back into the financial mainstream. They aren\u2019t looking to get back in debt but to have the options that they used to enjoy before their debts became unmanageable.\u00a0 Since getting back into the financial mainstream after bankruptcy is important. We pay a company to help [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2200,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35,562],"tags":[],"_links":{"self":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/2600"}],"collection":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/comments?post=2600"}],"version-history":[{"count":0,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/2600\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/media\/2200"}],"wp:attachment":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/media?parent=2600"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/categories?post=2600"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/tags?post=2600"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}