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KNOWING YOUR CREDIT REPORT
WHAT IS A CREDIT REPORT?
Your credit report is a summary of your credit history.
Your credit report is created when you borrow money or apply for credit for the first time. Lenders send information about your accounts to the credit bureaus, also known as credit reporting agencies.
Why your credit score is important?
Because lenders want to know how you have handled credit in the past to determine how well you are likely to handle it in the future. Credit card issuers, auto dealerships and mortgage lenders will check your credit score before deciding how much they are willing to lend you and at what interest rate
You're one step away from getting your credit report
Your Credit Score
Your credit score is a three-digit number that comes from the information in your credit report. It shows how well you manage credit and how risky it would be for a lender to lend you money.
Your credit score is calculated using a formula based on your credit report.
Note that you:
- get points if you use your credit responsibly
- lose points if you have trouble managing your credit
Your credit score will change over time as your credit report is updated.
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