What’s actually on your credit report?
Your credit report is the underlying account information. It’s not the same thing as your credit score.
Common information you’ll see
• Accounts reported by lenders, including balances and payment history
• Collections and certain public-record information
• Credit inquiries and identifying information
How to review your reports
Visit AnnualCreditReport.com for free reports from the nationwide credit bureaus. Compare names, account status, balances, dates, and entries you don’t recognize.
Spot something unfamiliar?
Don’t assume every unfamiliar entry is fraud. Check whether the account was sold, transferred, or reported under a different creditor name. If the information is inaccurate, you can dispute it.
Source: CFPB.
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