How to read your credit report

Here is a sample credit report. Drag the magnifying glass over each section to learn how to read it.


An interactive magnifying glass
As you use the red dot to drag the magnifying glass over the credit report, the elements are explained here. Drag the magnifying glass up/down to see more
Section A shows information about you – your name, current and previous address, Social Security number, date of birth, and other information to identify you. Section B is called Public Record Information. In this area, you’ll see any information that is listed about you in the records of local, state, or federal courts. In this example you see a bankruptcy. Section C shows collection agency account information. If you fail to pay back one of your creditors, they may hire a collection agency to contact you. This is a company that specializes in collecting money to pay off debts. Section D shows your credit history. This is a list of all the places where you have credit – or used to have credit. These are called your accounts. The credit history section is divided into twelve columns. Section E, the last section of the credit report, is called Inquiries. This is a list of the companies that have requested a copy of your credit report for their review. The name and address of the credit bureau issuing this report.
For further details about how to read your report, click on Library.
Finding an error What is a credit report? How to obtain your credit report How to read your credit report