WHAT IS A CREDIT REPORT?

A Credit Report lists a history of your finances. It summarizes your credit history and current credit situation. It includes information about your credit accounts, loan repayment history, and other financial data. Information that can be included are:

• Bill payment history
• Loans
• Current debt
• Bankruptcy history
• Lawsuit records

It will not include your credit score.

WHY IS A CREDIT REPORT IMPORTANT?

Credit reports are important financial documents that can impact your financial well-being. They can help lenders, businesses, and other entities determine how trustworthy you are financially.

Your credit report will determine your eligibility for:

• Credit
• Loans
• Rental property leases
• Employment
• Insurance

It can also impact the interest rates and fees you pay, and the credit limits you’re offered.

WHO NEEDS MY CREDIT REPORT?

• Lenders
• Potential employers
• Insurance companies
• Rental property owners

HOW TO GET A COPY OF YOUR CREDIT REPORT

By law, you can get a free credit report each year from the three credit reporting agencies: Equifax, Experian, and TransUnion.

AnnualCreditReport.com is the only website authorized by the federal government to issue free, annual credit reports from these reporting agencies.

You may request your reports:

• Online by visiting AnnualCreditReport.com
• By calling 1-877-322-8228 (TTY: 1-800-821-7232)
• By filling out the Annual Credit Report request form and mailing it to:
  • Annual Credit Report Request Service
    PO Box 105281
    Atlanta, GA 30348-5281

For more information, visit: https://www.usa.gov/credit-reports