Reading Your Credit Report Line by Line

Experian, Equifax and TransUnion each maintain their own file, and the information they hold is not always identical. Reviewing all three is standard practice before making any plan.

A report typically includes personal identifying information, account history, public records where applicable, and a record of inquiries.

Information that appears inaccurate, incomplete or unverifiable may be disputed under the Fair Credit Reporting Act. Accurate information generally remains until it ages off the report under the timelines the law allows.