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
(e.g., checking your own score) do not affect it. and auto loans
A record of who has accessed your report in the last two years. including account balances
Details on credit cards, mortgages, and auto loans, including account balances, credit limits, and payment history.