Credit reports are maintained by three major bureaus— Equifax , Experian , and TransUnion . They generally include:
(e.g., applying for a loan) can slightly lower your score.
Details on credit cards, mortgages, and auto loans, including account balances, credit limits, and payment history. credit report with score
(e.g., checking your own score) do not affect it.
Significant financial setbacks like bankruptcies (which stay for 7–10 years) or accounts sent to collection agencies. Understanding Credit Scores Credit reports are maintained by three major bureaus—
Lenders use scores to predict the likelihood that you will repay debt.
A record of who has accessed your report in the last two years. A record of who has accessed your report
A credit report with a score provides a comprehensive overview of your financial reliability. While the is a detailed history of your borrowing and repayment behavior, the credit score is a three-digit numerical summary (typically 300–850) derived from that data. Key Components of a Credit Report