Credit reports are a running history of your finances- the good and the bad. As a result, this account makes a big impact on major financial decisions and sometimes employment opportunities. Use this credit report guide- video and sample report- to start understanding all that it contains and how to better manage.
Credit Report Guide
Learning sometimes takes a few different avenues. That’s why we wanted to share a sample credit report and a video. First, watch this video to take a deeper look into credit reports.
There are six main sections in a credit report. Here is a recap of those sections from the video:
- Personal Information
- Credit Summary
- Negative Information
- Creditor Contact Information
Depending on your credit history, these sections will vary in length. Use ACCC’s sample credit report to guide you through the six sections. The sample credit report also contains definitions of some challenging terminology found in the report.
How to View Your Credit Report
Understanding credit reports start with taking a look at your actual credit report. A consumer can request his/her credit report anytime. The Fair and Accurate Credit Transaction Act entitles consumers to one free credit report each year from each of the three main credit bureaus.
Finally, to view your report, visit AnnualCreditReport.com. This is the only website to get your free credit report. You may also call 1-877-322-8228 or send a written request to:
Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281
For more information about credit or managing your finances, call ACCC today at 800-769-3571 and speak with a credit advisor.