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Everything You Need To Know To Get (and Understand) Your Credit Report

The whole credit-report-thing is confusing!  We are bombarded with radio, TV, and Internet ads pitching places to get a copy of your credit report.  Learn how and where to get your credit report here.  Also, once you get your report, we explain how to read (and understand) it.

Your credit report is a detailed history of your recent credit habits.  Credit reporting agencies (such as Experian, Trans Union, and Equifax) collect and maintain files on millions of Americans.  Companies use your credit reports to make decisions about whether to lend you money or do business with you.  These companies buy your credit report from the credit reporting agencies. 

Your credit report details your credit history as it has been reported to the credit bureaus by lenders and other businesses that have done business with you in the past.  Your report gives detailed information about what types of credit you use, how long your accounts have been open, and whether you have paid your bills on time.  It also tells companies how much credit you have used and whether you have been seeking new sources of credit. 

Understanding what goes into your credit report, who collects the information, and how it is used is important.  Our resources on credit reports include a number of articles explaining how to get your credit report, as well as articles about how to read and understand your credit report once you get it. But don’t stop there… check out our credit score information (to find out how lenders, employers and insurance companies view your credit), and our information about credit repair.  Read these articles and watch the videos, and find out how you can clean up your credit history, improve your score, and enjoy the benefits of good credit (potentially saving you thousands of dollars each year!).

  • Who’s Looking at Your Credit Reports?

    You might have been surprised when your auto insurance rates went up. You did not get into an accident nor did you get a ticket. You can’t seem to figure it out, so you call your insurance man and find out that they checked your credit report and found that you were a credit risk. This may cause your rates to skyrocket and even worse if you look to change providers the new company may not accept you because of your credit score.

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  • 7 Ways You Can Get a (Truly!) Free Credit Report

    Are you sick of hearing about “free credit reports” that aren’t really free?  Us too!  So we’ve compiled a list of 7 ways you can get a REAL free copy of your credit report (without having to sign up for a 7 day free trial or other scam). 

    In the United States, Government credit laws provide consumers with an ability to obtain free credit reports. There are a number of ways to get a free credit report (and no, they don’t all involve signing up with sites like FreeCreditReport.com!!).  Here are a few ways to get your free credit report. Keep in mind that while credit reports may be obtained free from the credit bureaus they are not obligated to give consumers credit scores for free. Getting your report just makes good financial sense as your finances are reflected on the pages of your credit report.

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  • Been Denied Credit? Here’s What To Do

    Have you applied for a mortgage and been told you don’t qualify?  Or a new car loan, and told that your credit is not good enough to qualify for the special teaser rates?  Unfortunately, it happens all too often nowadays—more and more people are receiving credit denial letters.  If you receive one, here’s what you need to do.

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  • The Big Three Credit Bureaus: About the Equifax Credit Bureau

    Continuing our series of articles about the big three credit bureaus, here’s a look at the Equifax credit bureau.  Equifax has a long and interesting history.

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  • The Experian Credit Bureau—What You Need To Know About Them

    No series of articles about the Big Three Credit Bureaus would be complete without an article about Experian, one of the largest credit bureaus in the world. 

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My credit had always been good, so I was surprised when my refi was recently refused because of a low credit score. It appeared to me that someone else's credit rating was corrupting mine. I asked Credit Xperts [one of CreditScoreAide's trusted partners] to help, and in no time they had the imposter removed from my records and my refi was approved with the most favorable rates available. Credit Xperts really came through for me. Read More