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Nationwide consumer reporting companies There are three big nationwide providers of consumer reports: Equifax, TransUnion, and Experian. Their reports contain information about your payment history, how much credit you have and use, and other inquiries and information.
The primary factors that affect your credit score include payment history, the amount of debt you owe, how long you've been using credit, new or recent credit, and types of credit used. Each factor is weighted differently in your score.
It shows the status of an individual's credit accounts, whether open, closed, or delinquent, credit limits, account balances, and payment history. It also includes personal information, such as your name and Social Security number, and public records, such as liens, collections, and bankruptcies.
A Consumer Statement will not change accurately reported information and is unlikely to impact your credit scores; however, providing details for a lender or creditor to see may help them better evaluate your credit behavior.
How to get a copy of your credit report Online by visiting AnnualCreditReport.com. By calling 1-877-322-8228 (TTY: 1-800-821-7232) By filling out the Annual Credit Report request form and mailing it to: Annual Credit Report Request Service. PO Box 105281. Atlanta, GA 30348-5281.