Where is your credit history detailed?

You can get it online: AnnualCreditReport.com, or by phone: 1-877-322-8228. You get one free report from each credit reporting company every year. That means you get three reports each year.

What does your credit history tell you?

They report the type of account (credit card, auto loan, mortgage, etc.), the date you opened the account, your credit limit or loan amount, the account balance and your payment history, including whether or not you have made your payments on time.

How detailed is a credit report?

A credit report provides detailed information on how you have used credit in the past, including how much debt you have and whether or not you’ve paid your bills on time. You can view your credit report for free at any time, without impacting your credit report or credit score.

What does a credit report tell you about your credit?

A credit report shows your bill payment history, current debt, and other financial info. Companies and lenders use your credit report to calculate your credit score—a number usually between 300 and 850. The higher your score, the lower your interest rate may be for a loan or credit card.

Where do I find out about my credit history?

If you have a credit card or a loan from a bank, you have a credit history. Companies collect information about your loans and credit cards. Companies also collect information about how you pay your bills. They put this information in one place: your credit report.

How does your credit history describe how you use your money?

Your credit history describes how you use money: 1 How many credit cards do you have? 2 How many loans do you have? 3 Do you pay your bills on time?

Do you have the same credit history on all three credit reports?

In general, the same credit history will be shown on all three reports. All your credit reports have the same basic sections for your identifying information, public record history, existing credit information and payment history, and recent requests for your credit report.