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Understand, Build and Manage

Your Credit Whether you’re buying a home, a car or applying for a credit card – lenders want to know the risk they’re taking by lending your money. Understanding how credit plays an important role in your life is an important step to improving your credit scores which can often help you qualify for better rates from lenders, which can save you money.

We believe the more insight you have about credit, the easier it is to strengthen your financial well-being. For more than a decade, has been America's number one Credit Repair provider of credit information. In addition to credit report repair, we offer help online to teach you how to successfully manage your credit rating.


What's in a credit report?
What's a credit bureau?
What's included in a credit report?
What's NOT included in a credit report?
Types of information in a credit report
Where does the information come from?
Who can see my credit report?
What is a credit score?
How are credit scores calculated?
What is a "fico" score?

We give you the inside scoop...

First Things First Your Credit Report
FICO and You
Next Things Next Finding Your Score
Establishing Good Credit
Repairing Your Credit Score
Identity Theft and Your Credit
Raising Your Credit Score

Types of Information in a Credit Report

Credit reports are not always easy to read. The truth is the credit bureaus want it like that. The less the average consumer understands, the more likely they will not spot or complain about any errors. Personal Data

This section has identifying and employment information. It will include full name, spouses name, current and former address, date of birth, current and former employers.

Although the personal data section does not directly affect the credit score, it is important that this section is correct for identifying purposes. Suffixes, such as I., Jr., etc., often get mixed up. Father and son with the same name will often get their information reported on each other’s credit reports. Make sure you go over each credit report item with your client if you encounter the above situation to ensure accounts are not mixed

Accounts/Trade Lines

This section provides detailed information about all credit accounts. Accounts are divided into five categories: “Real Estate, Revolving, Installment, Other, and Collections

Collection Accounts

Collection accounts are accounts that are seriously past due and have been transferred to an attorney, collection agency or creditor's internal collection agency. As debt is transferred between different agencies, you may see several records on the credit report for the same debt. Only one record should be marked as open at a time.

Public Records

The public information section of your credit report includes publicly available information about legal matters affecting the credit. This could include judgments against in civil actions, state or federal tax liens and bankruptcies. Here are definitions of the eight types of public records you could see listed on your credit report. All are detrimental to a credit score.


This section lists details about each inquiry that has been made into the credit history. Details include the name of the creditor or potential creditor who made the inquiry and the date when the inquiry was made. An inquiry appears when an organization such as a bank or retail store requests a copy of the credit report. These requests can only be made if the customer has a credit granting authorization or is applying for credit with the organization. The requestor's name will appear on the credit report, allowing the customer to monitor who accessed the credit report.