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 | So tell me, how are credit reports created? | |
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| Credit reports are created when a lender reports a consumer's account history to CRA's and CRA's keep a record of an individual's credit history. | |
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| What kind of information is in a Credit Report? | |
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| A Credit Report includes the Consumer's Personal Information, Credit Account Information, Public Record Information, and Inquiry Information. | |
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| So how does my Credit Report affect me? | |
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| Well based on your credit report history you will get a credit score which is a number created to help a lender evaluate the risk associated with lending a consumer money. The higher the credit score the better. To maintain a high credit score always pay your bills on time. | |
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