The sections
A report typically lists personal identifiers, credit accounts with balances and payment history, inquiries from lenders, and certain public records.
Who compiles it
Equifax, Experian and TransUnion are the three nationwide credit bureaus. Their reports can differ a little, as not every lender reports to all three.
Who may look
Lenders, landlords, insurers and some employers can request reports with a permissible purpose. Checking your own report does not lower your score.
Getting your copy
The official site for free reports is AnnualCreditReport.com. We never see anyone’s reports and cannot give credit advice.
Ledgano is an information website, not a bank, lender, credit service, investment firm, or financial adviser. It does not offer loans, credit, accounts, or investments, give personal financial advice, match you with providers, or share your details with banks, lenders, or other partners. Nothing here is financial, tax, or legal advice.