Credit Reports
Access and understand your credit information
Get Your Free Report
Access your free annual credit report from all three major bureaus
Request ReportUnderstanding Your Credit Report
Payment History
35% of your credit score
- Payment records
- Late payments
- Collections
Credit Usage
30% of your credit score
- Amount owed
- Credit utilization
- Available credit
Credit Age
15% of your credit score
- Account age
- Oldest account
- New accounts
Credit Mix
20% of your credit score
- Types of credit
- Credit diversity
- Account variety