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Credit Reports

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What Is A Credit Report?


A Credit Report provides you with all of the information in your credit file maintained by a consumer reporting company that could be provided by that company in a consumer report about you to a third party, such as a lender.


A Credit Report shows all of your credit availability and obligation (such as credit cards, auto loans, mortgages, etc.) as well as whether or not any of your credit obligations are delinquent.


You are entitled to one free copy of your credit report every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. To learn more about how to obtain your free copy, click here.


Based on your Credit Report, you are assigned a Credit Score. According to, a credit score is a complex mathematical model that evaluates many types of information in a credit file. A credit score is used by a lender to help determine whether a person qualifies for a particular credit card, loan, or service. Most credit scores estimate the risk a company incurs by lending a person money or providing them with a service – specifically, the likelihood that the person will make payments on time in the next two to three years. Generally, the higher the score, the less risk the person represents.

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Financial Literacy Toolkit