Credit System
Credit File
What it means
The full record of your credit history that a credit bureau holds. Your credit file includes personal information, account history, public records (like bankruptcy), inquiries, and collections. A credit report is a formatted view of what is in your credit file.
Covered in the free course
- Meet the Three Credit BureausUnderstanding Credit
- Why Payment History Rules EverythingPayment History
- Starting with No Credit HistoryBuilding Credit from Scratch
- When to Diversify (and When to Leave It Alone)Credit Mix
- Hard vs. Soft Inquiries: Know the DifferenceNew Credit & Inquiries
- The Authorized User Fast TrackBuilding Credit from Scratch