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Your Credit History

  • Section 1 thumbnail Your Credit Report

    A credit report is a statement that has information about your credit activity and current credit situation such as loan paying history and the status of your credit accounts. Learn why it is important to your financial future.

  • Section 2 thumbnail Your Credit Score

    A credit score predicts how likely you are to pay back a loan on time. A scoring model uses information from your credit report to create a credit score.  Companies use a mathematical formula – called a scoring model – to create your credit score from the information in your credit report. Learn about some of the factors that make up a typical credit score.

  • Section 3 thumbnail Order a Free Credit Report

    How, why, and when to order copies of your free annual credit report.

  • Section 4 thumbnail Credit Report Errors

    Accuracy is important when it comes to credit reports. Here’s how to order a free credit report, and dispute errors.

Map to great credit (infographic)

Why is your credit history important?

Your credit history is important to a lot of people: mortgage lenders, credit unions, utility companies, prospective employers, and more. So it’s especially important that you understand your credit report, credit score and the companies that compile that information, credit bureaus. Learn why credit reports and credit scores are an important to your financial future.

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Map to Great Credit

  1. Begin history
  2. Pay on time
  3. Different types of credit
  4. Don't borrow too much
  5. Spend responsibly
  6. Monitor credit reports
  7. Pay off balances
  8. Great credit!
Map to great credit (infographic)