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A record of who has accessed your report in the last two years.
(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.
Name, address history, Social Security number, and date of birth.
(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— Equifax , Experian , and TransUnion . They generally include:
A record of who has accessed your report in the last two years.
(e.g., applying for a loan) can slightly lower your score. credit report with score
Details on credit cards, mortgages, and auto loans, including account balances, credit limits, and payment history. A record of who has accessed your report
Name, address history, Social Security number, and date of birth. and auto loans
(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— Equifax , Experian , and TransUnion . They generally include:
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