[Info] Credit Report / Credit Score

What is a credit report?:

The Fair Isaac Corporation pulls information from your credit report to determine your FICO (credit) score.  Your credit report is maintained by three credit bureaus: Transunion, Equifax, and Experian.

Anything and everything that has to do with your credit is found on these reports: accounts, payment history, “hard pulls”/inquiries (how many times a company viewed your credit report).  Generally,  your credit report at all three bureaus will be the same, except for the amount of inquiries on each report.

Your credit report is viewable from each bureau.  See the Tools section for the link to the how-to guide for http://www.annualcreditreport.com.

What is a Credit Score? – Short Answer:

A credit score is a number developed by Fair Isaac Corporation that is calculated from different credit characteristics (recorded on your credit report) that represents your creditworthiness (credit risk).

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