What you Need to Know About Your Credit Report

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Understanding Your Credit Report


A credit report is a summary of facts about you and your credit.

credit report 

Lenders use your credit report to determine whether or not they will lend you money, and at what interest rate they will lend to you, so your credit report is very important.

Most people do not realize the importance of their credit report, and have no idea what it contains.

Your credit report contains:

  • personal identification information, such as your name, birth date, current address, current employer, and previous addresses and employers;
  • details of all credit inquiries made about you over the past few years;
  • a list of debts with balances owing, and whether or not they are current or past due; and
  • information from public records, such as judgments and past bankruptcies.

More information can be found about your credit report in the following articles:

Free Credit Report

Equifax Credit Report

Experian Credit Report

Trans Union Credit Report

For more information, search our site or the web:



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