What’s in a credit report?

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Credit Reports

Reading a Credit Report

Credit Scores

What’s in a credit report?

Your credit report is basically your financial report card. It provides a record of your borrowing and money management history, and is used to calculate your credit score. Lenders refer to your credit report to determine if you are a good credit risk for approving a loan. If you have a good credit report, you are more likely to get more credit and a better interest rate than someone with a poor credit report.

Use the Interactive Credit Report to learn about the information included in a credit report. Move your cursor over sections of the report to view an explanation of each term.

This sample credit report contains information that is commonly available on a real credit report. Your personal credit report may or may not contain all the information on this sample credit report. It is for your reference only.