What's in Your Report?

The first thing you should know is that your three credit reports probably are not the same. Lenders, credit card companies and other businesses supply information to the credit bureaus on a voluntary basis. So they may only provide your information to only one agency, or to two or three or none. That’s why it is so important to check all three of your credit reports.

In each case, you’ll find that the credit report is divided into four sections:

• identifying information;
• credit history;
• inquiries; and
• public records.

We’ll go through each section and let you know what to look for.

Next: Identifying Information