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31-Oct-2019 15:39

This site–maintained by the Federal Reserve Board–provides answers to some of the most common, and most important, questions about credit.

A: A credit report is a record of your credit history that includes information about: A: Your credit report is important because lenders, insurers, employers, and others may obtain your credit report from credit bureaus to assess how you manage financial responsibilities.

A report generated by one of the three major credit bureaus may not contain all of the information pertaining to your credit history.

Therefore, if you want a complete view of your credit record at a particular moment, you should examine your report from each bureau at the same time.

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You can get a free credit report from this credit bureau if you request it within sixty days after receiving the notice.

Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer.