Name, address history, Social Security number, and date of birth.
Credit reports are maintained by three major bureaus— Equifax , Experian , and TransUnion . They generally include: credit report with score
(e.g., applying for a loan) can slightly lower your score. Name, address history, Social Security number, and date
A record of who has accessed your report in the last two years. Social Security number
Lenders use scores to predict the likelihood that you will repay debt.
(e.g., checking your own score) do not affect it.
A credit report with a score provides a comprehensive overview of your financial reliability. While the is a detailed history of your borrowing and repayment behavior, the credit score is a three-digit numerical summary (typically 300–850) derived from that data. Key Components of a Credit Report