Tools and Resources
Credit 101
When it comes to credit, you have to be a 'wise' guy or gal right from
the start. That's because the credit decisions you make are practically
ingrained in stone.
So, to help you understand the ins and outs we've created 'Credit
101' to provide answers to some of your questions.
Q. So what is a credit report anyway?
A: Well, it's one report that you'll always want to be good. That's
because, when someone needs your financial information, they'll often
review your credit report to see:
- How you are managing your debts - if any,
- Any outstanding payment that you owe,
- How you've handled your credit in the past,
- And more.
So, miss a payment or make it late, and it will be on your credit report.
But - keep a good report, and it could help you get a car, a home or
even a job!
Q. What does a credit report look like?
A: Take
a look at a sample credit report.
Q. How can I se my credit report?
A: Simple! Just go to one of these major U.S. Credit Bureaus online
sites or call toll-free to get a copy of your current credit report
(there may be a fee charged):
Equifax
Toll-free phone number: 1.800.392.7816
Experian
Toll-free phone number: 1.800.682.7654
TransUnion
Toll-free phone number: 1.800.888.4213
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