What Information Is in a Credit Report?, What Information Is in a Credit Report? Beállítások

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A credit report is a summary of your credit history. Potential creditors and lenders use credit reports as part of their decision-making process to choose whether to extend you credit — and at what interest rate. It's important to check your credit report regularly because creditors and lenders use the information in it, such as your payment history and the number of active credit accounts, also known as “tradelines,” to evaluate your creditworthiness.

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Your credit report lists the credit accounts, also known as “tradelines,” that you have established with lenders. Each credit account as reported by lenders generally contains information on the type of account (for example, a credit card, mortgage, or auto loan), the date you opened the account, your credit limit or loan amount, the account balance, and your payment history.