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, mortgages, and auto loans, including account balances, credit limits, and payment history.

(e.g., checking your own score) do not affect it.

Significant financial setbacks like bankruptcies (which stay for 7–10 years) or accounts sent to collection agencies. Understanding Credit Scores

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 you will repay debt.

Credit Report With Score Guide

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, mortgages, and auto loans, including account balances, credit limits, and payment history. credit report with score

(e.g., checking your own score) do not affect it.

Significant financial setbacks like bankruptcies (which stay for 7–10 years) or accounts sent to collection agencies. Understanding Credit Scores Name, address history, Social Security number, and date

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: Social Security number

Lenders use scores to predict the likelihood that you will repay debt.