Your credit report includes:

· A list of debts, such as credit cards and car loans; and a history of how you have paid them

· Any bills that have been referred to a collection agency. This can include items like phone and medical bills.

· Public record information, such as tax liens or bankruptcies, even if these happened several years ago.

· The number of inquiries made about your creditworthiness.  (An inquiry is made when you request credit.) Many times your report will also show if you were given credit based on the inquiry.

· Understand that you will not see your credit rating on your credit report.

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