Reading Credit Reports: Understanding Your Credit Rating

What's in My Credit Report?

When reading credit reports from Equifax®, Experian® and TransUnion®, the three major credit reporting agencies, you'll see that each presents your report in a unique format. But, regardless of presentation, they all contain similar personal credit information:

• A list of all your accounts, including credit cards and loans, current balances and payment history
• Records of companies that have made inquiries to your credit file
• Information on where you live, how you pay your bills, and whether you’ve been sued, arrested, or filed for bankruptcy

When you order your credit report through Identity Guard®, you see your total credit profile, with side-by-side comparisons from the three credit bureaus, and tools and support to help you know how to read your credit report. Plus, we give you a toll free number with unlimited access to our Credit Education Specialists should you have any questions about your credit report or credit score.

Make Sure Your Credit Report is Accurate

When reading your credit report, accuracy is the most important factor. Just one inaccuracy in your credit report may determine whether or not you can buy the home or car you want. The skill of reading credit reports is critical to understanding your credit score, too. But many people find understanding credit reports difficult. We are here to help. We provide our reports in an easy to ready format with summaries of key components. And, our Credit Education Specialists are available six days a week by phone to answer any questions.

This website is dedicated to making it easy for American consumers to get access to and monitor their credit reports. All of the products we present are provided by Identity Guard®, one of the nation's leading credit management and identity theft service providers.