Your credit report is a detailed look at your credit habits, the types of debt you have outstanding, and is the basis for your credit score. Simply put, it’s a picture of your credit.

WHAT IS A CREDIT REPORT?

A credit report is a summary of your financial history. Creditors and lenders check your credit report to decide whether or not to extend you credit — and at what rates. Your credit report is an important tool to manage well because creditors and lenders use the information in it, such as your payment history and the number of active credit accounts (known as “tradelines”), to evaluate your creditworthiness.

WHERE CAN I OBTAIN MY CREDIT REPORT?

There are many vendors to select from when running your credit score.  Here are a few of the most popular vendors:

Equifax: www.equifax.com

Experian: www.experian.com

TransUnion: www.transunion.com

AnnualCreditReport.com – provides a free annual credit report

Information provided by Equifax.