Credit reports contain information regarding financial actions. These actions will include loan account information and payments on those loan accounts. It is suggested that this information be reviewed at least once every year. This will allow checks for report accuracy. The types of information on a credit report are:
This will include: full name, current address and place of employment. It may also include previous addresses and previous places of employment. There may also be name variations or even name misspellings listed. This will usually relate to minor creditor reporting errors. These minor errors are not considered important. They also provide a link between identities and credit information. However, if the error indicates a completely different identity, then it should be reported to the credit bureau immediately.
Credit Summary Section
The credit summary section will summarize the information pertaining to different account types. This section is comprised of the number of accounts, balances and delinquent account information. Account types listed are:
• Installment accounts (loans)
• Revolving accounts (credit cards, lines of credit)
• Real Estate accounts (mortgages)
• Collection Accounts
• Other types of accounts
In addition, the Credit Summary will also indicate:
• The number of open accounts
• The number of closed accounts
• Accounts listed in public records
• Credit inquiries made in the last two years
Account History Section
The Account History Section will contain the majority of the credit information. Each credit account will be listed here. For each account, payment details will be listed. Details listed will include:
• Name of the creditor
• Account number associated with each account (part of the number may be obscured for security reasons)
• Type of Account (mortgage, auto loan, revolving, etc.)
• Account Responsibility (joint, individual or authorized user responsibilities)
• Monthly account payment (minimum monthly payment amount required)
• Date Account opened (month and year of account establishment)
• Date reported is the date of the last report made by the creditor to the credit bureau
• Account Balance is the current amount owed on the account as of the last reporting date
• Amount of the original loan or the current credit limit
• High Credit or High Balance is the largest amount that was ever charged on a credit card. For installment loans, it will be the original amount of the loan
• Past due is the amount that has past the normal payment date at the time of reporting
• Remarks section includes comments posted by creditors
• Payment status (current, charge-off, past due). Current accounts may still list delinquencies
• Payment History will indicate the monthly payment status from the beginning of the account
• Collection accounts will appear in the account history or in a separate section
Public Records Section
The public records section will include court judgments, bankruptcies, tax liens and overdue child support (in some states). Public record entries may remain on a credit report for seven to ten years. Public Records entries are considered particularly negative on a credit report. To get daily credit monitoring plus access to your credit reports, consider one of thse credit monitoring services https://www.smore.com/ytcu8-the-best-credit-monitoring-services
The credit inquiries section lists those who have accessed the credit report. This will include inquiries made within the past 2 years. Individual credit reports will list all of the inquiries within the last 2 years. However, not all of these are listed on lender's and creditor's versions. Lender's copies will only show 'hard' inquiries. A hard inquiry is made when a credit application is submitted. A 'soft' inquiry is made when a lender accesses the report for credit promotional purposes. Soft inquiries have no effect on an overall credit score. However, hard inquiries will lower a credit score by a small margin.
The Haan FS20 is an impressive little steam floor cleaner, and I felt it deserved to be placed on my list of favorite steam floor cleaners to recommend.
If you found my review on the Haan FS20, you should know that this is not the only steam floor cleaner review I’ve written.
As I searched for the best steam cleaner for my home, I researched a number of brands and models, including:
I also wrote reviews on some steam floor cleaner mop pads, like the Bissell Steam Mop Pads and the Haan Microfiber Pads, just to give everyone an idea of what kind of investment they are making.
When you purchase a steam floor cleaner, it’s always a good idea to check out the pads you’ll need to buy, too, since they are typically a separate purchase. The cleaner you choose usually comes with one or two to start, but then you’ll need to buy additional pads as time goes on.
I wrote this Haan FS20 review with the hopes that it will somehow aide you in your search for the best steam floor cleaner for you, so I’ve included basic model information, its features and benefits, and any drawbacks I thought consumers should be aware of.
I also provided a few customer reviews I found that I felt might help you make your decision, too.
However, the first piece of advice I can recommend when you purchase the Haan FS20 (or any other steam cleaner for that matter) is to buy it through Amazon.
I’ve always loved Amazon and I shop there for other products frequently, but I found it particularly helpful when checking out the Haan FS20.
I love Amazon because it was easy for me to sift through the list of steam floor cleaners I was comparing. It already offered a huge selection to choose from, and I was able to find everything I needed to make my decision as I moved from listing to listing.
You get a little bit of everything—the specs, reviews, and model information. Plus, you have access to great customer service if you need it.
At just about seven pounds, the Haan FS20 is a light steam floor cleaning model. It is an ergonomic, yellow-colored design that is made for sanitizing hard surfaces without the use of harsh chemicals.
There is no assembly required and the Haan FS20 has maintained a 4-star rating average at retailers such as Amazon.
The Haan FS20 is designed for large and small living spaces, although its size is ideal for condos, apartments, or townhomes.
It’s not too large or bulky, so it can easily fit in a small utility closet or in compact storage spaces. The Haan FS20 is one of the most versatile, economical model options that the Haan brand has to offer.
Features and Benefits
The Haan brand is known for providing consumers with affordable, ergonomically-designed steam floor cleaners, which contributes to the testimonies you’ll find on this particular Haan FS20 model.
I found the Haan FS20 to be especially convenient due to its design. The way the handle is constructed helps to keep your wrist from growing tired due to any stress or strain, so you can clean as long as you need to without having to take a break.
Aside from its ergonomical design, the Haan FS20 offers other features that I really like. Here are some of the key features that the Haan FS20 has to offer:
Another benefit of the Haan FS20 is its price. I couldn’t talk about this steam floor cleaner and not mention the price tag! I think it’s one of the cleaner’s nicest advantages, especially considering its user-friendly design and its functionality.
You get a lot for your dollar, which I think anyone can appreciate. You can get it for under a hundred bucks, which isn’t bad in my book.
“I took my time checking out the Haan FS20 and in the end was pleased with my purchase. This cleaner heats up really good, it cost me less than eighty bucks, and it comes with a carpet attachment for freshening up my rugs, which many other models didn’t offer.”
“The Haan FS20 is really easy to use, but my favorite thing about it is the high temperature it heats up to. Unlike some of the other steam cleaners out there, you don’t need to run this cleaner slowly to make sure it properly sanitizes. It’s way hotter than other cleaner temperatures, so you can pretty much bet that the high temp blasts away any germs immediately upon contact.”
“I wish the construction was a bit sturdier and that I didn’t have to hold the steamer in place over dirty, high-traffic areas, but the Haan FS20 still delivers a lot for very little cost. It works great in my small apartment and doesn’t take up much space in storage. I’d recommend it for anyone who needs a regular, easy-to-use cleaner but who is sick and tired of mops and buckets.”
Out of everything I liked about the Haan FS20, I understood why there were so many mixed reviews. This is a great steam cleaner and I’d recommend it at the drop of a hat, but it has a few drawbacks that are worth mentioning.
I wasn’t crazy about the construction of this cleaner. It seemed durable and solidly built, but it felt a little flimsy as I swept it across my floors. Still, the ergonomic handle definitely reduces strain on my wrist, so I can’t really complain about that.
I would say the Haan FS20 is a great steam cleaner overall, although it’s not for everyone. If you have very high-traffic areas in your home with a lot of dirt build up, or if you are expecting a commercial-quality cleaner, the Haan FS20 isn’t for you.
However, if you want a steam cleaner that is easy to use, is easy on your hands and wrists, and gives you sanitized, clean-looking floors on a regular basis, the Haan FS20 is appropriately priced and a great option for everyday cleaning.