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  • Checking your credit report regularly can help you spot signs of identity theft
This is your payment history and status of all Real Estate, Installment, and Revolving Credit Accounts. Sign up to review your info today.
A credit check by a lender or landlord is called a Hard Inquiry and will show up on your credit report. Check your Report today and learn why.
Includes your name, address, date of birth and current employer. Get your Credit Report today to ensure your information is accurate.
Why Your Credit Score Matters
Your credit score plays a very important role in your financial life. Your credit score determines the amount of credit lenders will make available to you and the interest rates and payments on mortgages, credit cards, auto loans, insurance policies, and more.
The Difference Between a Credit Report and a Credit Score
Credit Report is a detailed history of the loans you’ve received and credit cards you’ve used. If you’ve had collections, they may also appear on any of the credit reports. For each account, the credit report shows your payment history, current balance, credit limit, the date the account was opened, and whether the account is open or closed.
Credit Score is a three digit number based on the information in your credit report. Credit-scoring models may factor in the number of years you’ve had credit, how much of your available credit you’re currently using, whether you’ve recently made any late payments, and how recently you’ve had any negative actions or credit applications.
Why Your Credit Report Matters
First, your credit score is based on your credit report. Any incorrect information could reduce your credit score. A lower credit score can cause your interest rates to rise or you could be denied credit. Your credit report also lists past addresses and employers. Credit report inaccuracies could slow loan processing.

A credit report is often the first place people detect identity theft. By regularly monitoring your credit, you can reduce the damage from credit fraud.