Learn about your credit report and how to get a copy | USAGov
: A detailed list of your credit cards, mortgages, and student loans, including when they were opened and your repayment history.
In the U.S., three major national credit bureaus—, Equifax , and TransUnion —collect and organize this data. They don't make lending decisions themselves. credit bureau reports
Keep in mind that because creditors may report to only one or two bureaus, your information can differ slightly between them.
: A log of every time a lender has checked your credit in the last two years. The "Big Three" Gatekeepers Learn about your credit report and how to
A credit report isn't just a single number; it's a multi-page document that tracks your financial behavior across several key areas:
They simply sell your report and a calculated score to creditors who use that data to judge your risk. Keep in mind that because creditors may report
Think of your credit report as a financial resume. Just as a resume shows employers your work history, your credit report shows lenders how you’ve handled borrowed money in the past.