Credit History Report Guide

: Records of when lenders have requested your report; "hard" inquiries from loan applications can temporarily lower your score.

: The percentage of available credit you are currently using. credit history report

: Includes all lender-reported accounts, their balances, and how long they have been open. : Records of when lenders have requested your

: A record of whether you pay bills on time; this is a primary driver of your credit score. credit history report

: Listings of collections, foreclosures, or bankruptcies. Steps to Build and Maintain a Solid History