Where to get a copy of your credit report

Under the FACT Act amendments to the Fair Credit Reporting Act you are entitled to one no-cost credit file disclosure (credit report) from each nationwide credit reporting agency every 12 months.

www.annualcreditreport.com

Once you receive a copy of your credit report, you may need help with deciphering the details. If so, we’d be happy to help!

Credit Score Enhancement

Whether you want to know how to improve your score and clean up your report, or even just understand how to read it – we’re here to help. Day Air exists to enhance your financial well-being, and one way we do that is by offering this product. We take the time to go through your Credit Report and determine ways you can improve your Credit Score.

Just call us at 937-643-2160 or email us to make an appointment today!

Understanding Your Credit Score

Credit-Score-GraphWhat is a credit score?

A numerical representation of credit worthiness that helps predict the likelihood of default

What makes up your score?

35%…based on payment history
30%…capacity (the lower the credit card balances are in relation to the credit limit —the better the score will be)
15%…length of credit
10%…accumulation of debt in the last 12 to 18 months
10%…mix of credit