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What is a Credit Report?

Produced by Mariah Jennings-Rampsi, South Coastal Counties Legal Services, with funding from American College of Bankruptcy
Reviewed October 2019

Your credit report is a summary of your relationship with owing money and debt.  It is a history of what you have borrowed and what you have paid back. Your credit report may also include your rental payment history.  People or companies who might lend you money in the future may use the report to learn about you. Often employers, landlords, and insurance agencies look at credit reports. The law protects you from credit reports that are wrong.  But a lot of people find mistakes on their reports. 


Your credit report is very important if you want to borrow money. Sometimes it matters to landlords and employers.

Your credit report is not as important if:

  • you are not planning to borrow money,
  • You are not looking for a job,
  • You own your own home or live in public housing and you are not planning to move.

Learn how to get a copy of your credit report by reading this article.

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