Occur when you apply for credit and can slightly lower your score.
Occur when you check your own report or for pre-approved offers; these do not affect your score.
The core of the report. It lists credit cards, mortgages, auto loans, and student loans, including account balances, credit limits, and payment history. credit*record
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Full name, aliases, Social Security number, date of birth, current and past addresses, and employer history. Occur when you apply for credit and can
Information from court filings, primarily bankruptcies .
Accounts that are significantly past due and have been sent to internal or external collection agencies. How to Get Your Free Report It lists credit cards, mortgages, auto loans, and
By law, you are entitled to a free copy of your credit report from each of the three bureaus.