What is a credit report and why does it matter?
Your credit reports are important pieces of financial information that help lenders measure your level of credit risk, or the likelihood you'll pay your bills on time. So, it's important to understand what a credit report is, as well as what you'd expect to find on one.
Why is the credit report important?
Lenders may use your credit report information to decide whether you can get a loan and the terms you get for a loan (for example, the interest rate they will charge you). Insurance companies may use the information to decide whether you can get insurance and to set the rates you will pay.
What is the credit report?
Credit reports list your bill payment history, loans, current debt, and other financial information. They show where you work and live and whether you've been sued, arrested, or filed for bankruptcy.
What is the most important thing in a credit report?
Payment History Is the Most Important Factor of Your Credit Score. Payment history accounts for 35% of your FICO® Score.
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