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What is a Credit Report?

A credit report is a snapshot of your financial activities, past and present. Your credit file or report is maintained and updated by credit reporting agencies and by the three major credit bureaus: Equifax, Experian, and TransUnion. 


Your credit report contains a score, a three-digit number generally from 300 to 850 that represents your creditworthiness. It's also called your FICO, Beacon, or NextGen score. The higher your number, the better. Lenders may use your credit report to determine your creditworthiness.  Having a lower credit score may make it difficult for you to qualify for credit.


In addition to your credit score, your report may contain your:


  • Name and any name changes
  • Current and former addresses
  • Current and former employment
  • Public records about bankruptcy or judgments
  • Inquiries (who's been looking into your credit and when)
  • Payment history


You can receive one free credit report per year from each agency or you can purchase them online at anytime.


Equifax Credit Information Services
Call: 1-800-685-1111

Call: 1-888-397-3742

Call: 1-800- 888-4213