Payment history: From credit card companies, lenders, and other creditors.Personal information: Name, date of birth, address, employer, etc.The information contained in credit reports from one of the big three credit reporting agencies can include: ![]() Remember, requesting your free credit report will not hurt your credit score. can get a free credit report each week from the three main credit reporting agencies by visiting. And through December 2023, everyone in the U.S. According to the Federal Trade Commission, the Fair Credit Reporting Act, a federal law, provides the right to a free copy of your credit report every 12 months from each major credit bureau. You’re also able to request a copy of your report and credit score from a credit reporting agency for your own information. ![]() Utility companies: When applying for electricity, gas, water, or a new phone.Insurance companies: For home, life, or property insurance screening.Government agencies: To determine eligibility for government benefits or licenses.Current or prospective employers: For employment screening, but only if you provide written consent.Lenders: Issuers for a credit card, student loan, payday loan, personal loan, car loan, or a mortgage, etc.In addition to credit card issuers, there are other entities that can see your credit reports and may use them to inform decisions.Įntities who may request your credit report include: This will help them to decide if they want to extend you credit. ![]() Credit reporting agencies sell your credit information to banks, lenders, and other companies, who use it when deciding if you meet their eligibility criteria for something like a loan or credit card.įor instance, when you apply for a new credit card, the lender will review your credit report to assess how you manage your finances. A credit reporting agency collects your information from financial institutions, collection agencies, and public records, and uses the information to compile a credit report.
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