Now that you understand credit as a concept, let’s look at how your credit is presented to potential lenders, employers, insurers and more. In this chapter, we’re going to explore a document called a credit report. We’ll even show you how to get yours, how to read it, and what it means.

Expert Advice

Rod Griffin, Director of Public Education for Experian.

“When you get your credit score you should also get a credit score report, a document or explanation of what that score means in terms of risk. This will show you if you are a good credit risk, a bad credit risk or a marginal credit risk. And it should include the risk factors that go with that score from your credit report, so you can go back to that credit report and identify those issues.”

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