Credit System
Credit Report
What it means
A detailed document from a credit bureau that shows your credit history. It lists personal information, all open and closed accounts, payment history, hard inquiries, public records, and collection accounts. You have the right to one free report from each bureau every year at AnnualCreditReport.com.
Covered in the free course
- The 5 FICO Factors: Your Score at a GlanceUnderstanding Credit
- Who Sees Your Credit and Why It MattersUnderstanding Credit
- Why Payment History Rules EverythingPayment History
- What Actually Gets Reported: It's Not What You ThinkPayment History
- Why Age Matters to LendersLength of Credit History
- Getting Your Free Reports (All Three)Reading Your Credit Report
- Anatomy of a Credit Report: Section by SectionReading Your Credit Report
- Your Rights Under the FCRADisputing Errors Like a Pro
- Collections, Charge-offs and the Nuclear OptionsPayment History
- The Statement Date Trick Most People MissCredit Utilization
- Revolving vs. Installment Credit ExplainedCredit Mix
- Hard vs. Soft Inquiries: Know the DifferenceNew Credit & Inquiries
- How to Apply StrategicallyNew Credit & Inquiries
- Red Flags and Warning Signs to Watch ForReading Your Credit Report
- What's Actually Disputable (and What Isn't)Disputing Errors Like a Pro
- Bankruptcy: The Nuclear Option and Life AfterCommon Credit Problems
- Identity Theft: When Your Credit Gets StolenCommon Credit Problems