What it is and why it's important. You can't escape it. It will always precede you. It represents your reputation in the personal financial community. If it is solid, it can be one of your best assets. If it is damaged, it can be one of your biggest liabilities.
 10
Reasons to Get Your Credit Report
Some obvious reasons and others you may have never thought of. If you have never seen a copy of your credit report, you definitely should order one. The three national credit bureaus do not communicate with each other, so you actually have three credit histories.
Your
Credit Report
Overview of how to get it and correct any errors it may contain. It's recommended that you get a copy of your credit report from each of the three major credit reporting agencies - once a year to make sure the information is accurate.
Ordering
Credit Reports on Somebody Else
How you can get someone else's credit report. In order to obtain a credit report on an individual, you must first obtain that person's written permission. Then you will need to sign up with an authorized agent of the credit bureaus who will obtain the report for you.
How
to Dispute Credit Report Errors
Useful information on how to be sure your credit report is completely accurate. Your credit report-a type of consumer report-contains information about where you work and live and how you pay your bills. It also may show whether you've been sued or arrested or have filed for bankruptcy.
Sample
Dispute Letter
A template to help you take control of errors in your credit report. It's easy and we give you the tools to do it.
Credit
Scoring
Ever wonder how a creditor decides whether to grant you credit? Find out who gets credit and why here. Credit scoring is a system creditors use to help determine whether to give you credit. For years, creditors have been using credit scoring systems to determine if you'd be a good risk for credit cards and auto loans.
What
You Can Do To Improve Your Credit Score
What factors are considered and how you can improve your chances of getting credit. Credit scoring models are complex and often vary among creditors and for different types of credit. If one factors changes, your score may change -- but improvement generally depends on how that factor relates to other factors considered by the model.
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