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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

Where Does the Information Come From?

Now that you know who creates the credit reports, let’s talk about where the information comes from. Although the information may come from many places, it generally comes from three sources – you, your creditors, and public records. Let’s look at each of these sources and the information that they provide.

Yes, you! You unknowingly supply a great deal of information to the credit bureaus. How? Generally this happens when you apply for credit. When you apply for credit, you typically complete a credit application in which you supply your full name, Social Security Number, current and former addresses, and current and previous employment. And guess what your potential creditor does with the information you listed in the application? That’s right. They send it all to the credit bureaus. This information then becomes a part of your credit file. Therefore, it’s important that you accurately complete this information on any credit applications that you complete.

Your Creditors
Your current and former creditors also provide information to the credit bureaus about you. These creditors tell the credit bureaus how you’ve paid your bills each month. But, not all of your creditors report all of your payment history to the credit bureaus. Some creditors, sometimes called “automatic subscribers,” report all of your payment history to the credit bureaus every month. Other creditors, sometimes called “limited subscribers” only report certain types of information – like delinquencies. Let’s look at these different types of creditors.

Automatic Subscribers
Automatic Subscribers are creditors that regularly report information to the credit bureaus about your account with them. This information generally includes the date when this creditor opened the account, the total amount of the debt or credit limit, the current balance, and your payment history – good or bad. There are many different types of automatic subscribers, including banks, credit unions, department stores, finance companies, and major credit card companies. But, just because a creditor is an automatic subscriber to one credit bureau, doesn’t necessarily mean that the creditor will report to all of the major credit bureaus. That’s one reason that the credit reports produced by different credit bureaus very often contain different information.

Limited Subscribers
Limited Subscribers are creditors that do NOT regularly report information to the credit bureaus. Instead, these creditors may only report certain types of information – like delinquencies or collection activities. They generally do not report good credit information, usually just bad information. There are many different types of limited subscribers, including apartment management companies, insurance companies, utility companies, medical providers, and collection agencies. As with automatic subscribers, many limited subscribers may only report information to one of the national credit bureaus. Therefore, bad information reported by a limited subscriber may only affect one of your credit reports. Creditors That Do Not Reports to Any Credit Bureau Finally, there are some creditors that do not report to the credit bureaus AT ALL. This means that any information – good or bad – will not show in any of your credit reports. Typically, these creditors include individuals, like landlords, or small companies. (When you’re trying to improve your credit in later chapters, you need to be aware of creditors that do not report to the credit bureaus. These creditors will NOT help you to restore your credit. We’ll talk about this later.)