Credidt*report

While formats vary between the three major bureaus (Experian, Equifax, and TransUnion), most reports include these five categories:

: Information from collection agencies regarding unpaid or past-due debts. Maintaining a Healthy Report credidt*report

: A list of everyone who has accessed your report in the last two years. This includes "hard" inquiries (when you apply for credit) and "soft" inquiries (like pre-approved offers). While formats vary between the three major bureaus

: Legal filings such as bankruptcies. Note that while tax liens were previously common, many bureaus have reduced their reporting of these. credidt*report

Building and protecting your credit is a long-term process. Experts recommend several key habits: Understand, get, and improve your credit score | USAGov