Credit report
The detailed record of your credit accounts and payment history that scoring models read.
Why it matters
Three nationwide bureaus — Equifax, Experian, and TransUnion — maintain your credit report. Each lender may report to some but not all. You can pull all three free every week at AnnualCreditReport.com and dispute errors under the Fair Credit Reporting Act.
See also
Educational only — not financial, tax, or legal advice.