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How to Understand It

Once you get your credit report and score, how do you interpret them? Learn the in's and out's of these common credit reporting tools.

What's in Your Credit Report

It's easy to get your report, but sometimes it's hard to understand. Figure out what's included — and what's not — and how most reports are structured.

Factors That Affect Your Score

Your credit score is a numeric summary of your credit history. By understanding what your score considers, you'll be in a better position to improve it if necessary.

Top Misconceptions About Scores

Many people believe that checking your own credit will lower your score. Not true! Learn the truth about this and other common misconceptions.

Interpreting Your Score

Understand what your credit score can mean to you.