If you've ever applied for a copy of your credit report, you're probably aware of the fact that credit companies report primarily to three national credit bureaus in the United States. The three national credit reporting companies are TransUnion, Equifax, and Experian. It may surprise you, but different creditors and lenders report different information to the three national credit bureaus. This can influence your overall score.
When you request your Experian credit report, you may find yourself feeling overwhelmed by the amount of information contained in it. Your credit report is divided into four different sections: identifying information, information about your credit history, public records and inquiries on your account.
You may also order a credit score with your report. Experian uses a generic credit score called "VantageScore." If you want to improve your credit score, take a look at areas of your report where your lenders have given you negative remarks. These remarks are the keys to your credit score. For example, consistent late payments can damage your credit more than you might think. Make a commitment to paying your monthly payments on time, and you just might see a change in your Experian credit score in the future.