: A list of companies that have requested to view your credit history. How to Obtain Your Report How do I get a free copy of my credit reports?
A credit report is a detailed record of your , including your payment behavior, current debt levels, and the age of your accounts. It is primarily used by lenders to determine your creditworthiness for loans and other financial products. Core Components of a Credit Report
: Information on bankruptcies, which can stay on your report for up to 10 years.
: Includes your full name, addresses (current and previous), Social Security Number, and date of birth.
: Details on credit cards, mortgages, and auto loans, including their payment status and outstanding balances.
