You have heard about credit reports, but what do they really report? What does your credit report say about you?

It reveals how prompt you are in paying back loans, how much money you could borrow should you decide to go on a spending spree, and how many times you’ve applied for credit. What it does not reveal is your salary or business debts (unless you personally guaranteed a loan).

Your credit record also might not reflect all of your credit accounts—such as travel, entertainment, gasoline card companies, and credit unions—since some of these creditors do not supply information to the credit reporting agencies. Your deposit information, such as your saving’s account balance, are not part of your credit report.

This is a preview of: What does your credit report report?(712 words, estimated 2:51 mins reading time)

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You have heard about credit reports, but what do they really report? What does your credit report say about you?<\/p>\n\n\t

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