Credit Reports & Credit Bureaus

Your credit report may contain:

Names and account information for all your past and current creditors
Payment history
Employer's name, employment history and current income
Home ownership status and previous addresses
Public record information (such as foreclosures, bankruptcies and tax liens)
Referrals of overdue accounts to collection agencies
Inquiries made within the last 6 months

Request a copy of your own credit report at least once a year from a credit bureau. Credit bureaus collect and store credit data. That data is sold to creditors in the form of a credit report. Credit bureaus do not deny or extend credit.

There are three main credit bureaus: Equifax, Experian and Trans Union. Because each credit bureau reports the credit data differently, you should request copies of your credit report from all three companies. Follow the links below for more information on each of the three bureaus:


Or you can order all 3 bureaus thru myFICO.

A credit report includes a record of debts and how regularly debts are repaid. Your whole credit history shows up on your credit report, including:

The date each account was opened
The credit limit
The highest amount you have ever charged or borrowed
A history of payments made
All late payments (by 30, 60, 90 or 120 days or more)
Accounts sent to collection agencies

Check your payment records against your credit report. Look for errors. Notify the creditor and the credit bureau in writing immediately if you find mistakes.

Maintaining credit


    Fannie Mae
    Freddie Mac
Ginnie Mae


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