Significant financial setbacks like bankruptcies (which stay for 7–10 years) or accounts sent to collection agencies. Understanding Credit Scores
Credit reports are maintained by three major bureaus— Equifax , Experian , and TransUnion . They generally include: credit report with score
Lenders use scores to predict the likelihood that you will repay debt. and auto loans
Details on credit cards, mortgages, and auto loans, including account balances, credit limits, and payment history. including account balances