Your credit profile consists of information gathered by the three credit agencies for the past ten years. The information includes payment histories for loans, credit cards, mortgages and other installment agreements. Derogatory information is also reported such as collections, charge offs, bankruptcies, judgements, liens and warrants. The data is then process by the scoring companies, FICO, Beacon and Emperica. The scores given are your credit scores. The credit score range is 350 to 900.
