![]() Some employers use credit reports in hiring decisions. ![]() Credit bureaus sell the information in your report to businesses that use it to decide whether to loan you money, give you credit, offer you insurance, or rent you a home. It can also affect your chance to get a job, rent or buy a place to live, and buy insurance. The information in your credit report can affect your buying power. N ot all creditors report information to credit bureaus, but most nationwide chain store and bank credit card accounts, along with loans, are included in credit reports. Three nationwide credit bureaus (Equifax, Experian, and TransUnion) collect and update this information. Your credit report includes identifying information - like your address and date of birth - and information about your credit history - like how you pay your bills or if you filed for bankruptcy. Identity Theft and Online Security Show/hide Identity Theft and Online Security menu itemsĪbout Credit Reports What is a credit report?Ī credit report is a summary of your personal credit history. ![]()
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