Details on credit cards, mortgages, and auto loans, including account balances, credit limits, and payment history.
Lenders use scores to predict the likelihood that you will repay debt.
Significant financial setbacks like bankruptcies (which stay for 7–10 years) or accounts sent to collection agencies. Understanding Credit Scores credit report with score
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. Details on credit cards, mortgages, and auto loans,
Name, address history, Social Security number, and date of birth.
(e.g., applying for a loan) can slightly lower your score. Details on credit cards
(e.g., checking your own score) do not affect it.