How to get your free credit reports
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How to read and understand your free credit reports
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If you’re looking for where to find your free credit reports, you’ve come to the right place.
Credit Karma offers free credit reports from two of the three major consumer credit bureaus, Equifax and TransUnion.
But if you’ve never seen your credit reports before, you may not understand what you’re seeing.
Let’s review what you can find on your credit reports and how that information can affect your credit scores and overall financial health.
What’s on my credit reports?
Your credit reports contain personal information as well as a record of your credit history.
Lenders and creditors report account information, such as your payment history, credit checks,
and credit account balances, to the three major consumer credit bureaus.
All of that information can end up on your credit reports.
Much of the information in your credit reports can affect your chances of being approved for a credit card,
mortgage, car loan, or another type of loan, as well as the rates you’ll get.
Even landlords can look at your credit when deciding whether or not to rent to you.
Let’s take a look at some of the main components of your credit reports.