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Common Questions

What is a credit report?

Your credit report is your financial report card. It keeps track of and grades you on how you handle credit related matters. The moment you apply for credit of any sort, a credit file is started in your name. This record keeps track of all credit-card accounts or loans you may have, the balances, and how regularly you make your payments on them. If you make late payments, skip payments, max out your card or come close to the available limit; negative codes will be placed next to the account which will be calculated into your credit score. Conversely, if you pay your bills (at least the minimum required payment) on time every month and otherwise use credit responsibly, you will be rewarded for those behaviors which will be reflected in an higher credit score.

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