Lenders use scores to predict the likelihood that you will repay debt.
(e.g., applying for a loan) can slightly lower your score.
Name, address history, Social Security number, and date of birth. credit report with score
A record of who has accessed your report in the last two years.
Credit reports are maintained by three major bureaus— Equifax , Experian , and TransUnion . They generally include: Lenders use scores to predict the likelihood that
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
Details on credit cards, mortgages, and auto loans, including account balances, credit limits, and payment history. A record of who has accessed your report
Significant financial setbacks like bankruptcies (which stay for 7–10 years) or accounts sent to collection agencies. Understanding Credit Scores
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