Credit Report
A detailed record of your credit history maintained by each of the three major credit bureaus (Experian, TransUnion, Equifax). Contains personal information, account history, payment records, public records, and credit inquiries.
Related guides
- Full credit & FICO® glossary
Browse all defined terms by category.
- Credit Bureau
A company that collects and maintains credit information about consumers and provides credit reports to lenders, creditors, and consumers. The three major US credit bureaus are Experian, TransUnion, and Equifax. Also called Consumer Reporting Agencies (CRAs) under the Fair Credit Reporting Act.
- Experian
One of the three major US credit bureaus. Experian collects and maintains credit data for approximately 235 million US consumers and provides credit reports, scores, and monitoring services. Headquartered in Dublin, Ireland with US operations in Allen, Texas.
Frequently Asked Questions About Credit Report
What does Credit Report mean?
A detailed record of your credit history maintained by each of the three major credit bureaus (Experian, TransUnion, Equifax). Contains personal information, account history, payment records, public records, and credit inquiries.
Is Credit Report important for my FICO® score?
Understanding Credit Report helps you manage your credit profile more effectively, which in turn supports a stronger FICO® score.