Score: Credit Report With

Significant financial setbacks like bankruptcies (which stay for 7–10 years) or accounts sent to collection agencies. Understanding Credit Scores

(e.g., applying for a loan) can slightly lower your score. credit report with score

Lenders use scores to predict the likelihood that you will repay debt. and auto loans

Credit reports are maintained by three major bureaus— Equifax , Experian , and TransUnion . They generally include: including account balances

Details on credit cards, mortgages, and auto loans, including account balances, credit limits, and payment history.

(e.g., checking your own score) do not affect it.

Name, address history, Social Security number, and date of birth.