Credit Report Resources

A credit report is a detailed record of how you've managed your credit over time. Credit reports are used most often by lenders to determine whether to provide you with credit and how much you will pay for it. Credit reports are also used by insurance companies, employers, and landlords.

Your credit report includes details about your credit history, including the number of credit accounts you have open, as well as closed accounts; your history of on-time and delinquent payments; accounts that are in collections; the number of times you have applied for credit; and more. This history goes back years and the information on your report can remain there for years.

For more information on credit reports and credit scores, you may want to read our Downeaster Consumer Guide to Credit Reports and Credit Scores.