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Sarma » Credit Reports and Credit Scores
A: A credit report is a record of your credit history that includes information about: A: Your credit report is important because lenders, insurers, employers, and others may obtain your credit report from credit bureaus to assess how you manage financial responsibilities.
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Your credit history is important to a lot of people: mortgage lenders, banks, utility companies, prospective employers, and more.
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So it’s especially important that you understand your credit report, credit score, and the companies that compile that information, credit bureaus.
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For example: A: There are three major credit bureaus–Equifax, Experian, and Trans Union–that gather and maintain the information about you that is included in your credit report.
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