Credit Report

Your credit report--a type of consumer report--contains information about where you work and live and how you pay your bills. It also may show whether you've been sued or arrested or have filed for bankruptcy.

Improving Your Credit Score

Credit scoring models are complex and often vary among creditors and for different types of credit. If one factor changes, your score may change -- but improvement generally depends on how that factor relates to other factors considered by the model.

Creditor Harassment

Are creditors hounding you? Then you should know that there are laws in place to protect you from unnecessary harassment and embarrassment.

Who Can Access My Credit Report?

Anyone with a "legitimate business need" can gain access to your credit history. Generally, only an employer or prospective employer needs your written consent to obtain a report.

Check Your Credit Report

Once you have re-established or just recently established credit, you want to keep it in "good standing". Provide that you made all your payments on time.