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Written by: Tim Devaney. Credit Karma offers free credit reports from two of the three major consumer credit bureaus, Equifax and TransUnion. Your credit reports contain personal information, as well as a record of your overall credit history.
Lenders and creditors report account information, such as your payment history, credit inquiries and credit account balances, to the three main consumer credit bureaus. All of that information can make its way into your credit reports.
Even landlords may look at your credit when deciding whether to rent to you. In fact, federal law prohibits credit scores from factoring in personal information such as your race, color, gender, religion, marital status or national origin. To learn more about racial justice in lending and initiatives seeking to create change, connect with organizations leading the fight, like the ACLU.
Credit account information Most of the information on your credit reports focuses on your credit accounts. And there can be quite a lot of information associated with each credit account.
This may include your payment history, your loan amount or credit limit, your current account balance and the age of the account. These account details are all factors that affect your credit scores , so they can have a big impact on your credit health and financial picture. Credit inquiries There are two types of credit inquiries that might show up on your credit reports: hard credit inquiries and soft credit inquiries.
This happens because a lender or credit card issuer checks your credit as part of their loan decision, and you typically have to authorize them to do so.
A single hard inquiry might only have a small impact on your credit scores, but a swarm of new inquiries in a short period of time could make you appear risky to potential lenders. These typically occur when you check your own credit, or when a person or company checks your credit as part of a background check or prequalification.
Unlike hard inquiries, soft inquiries do not affect your credit scores. Public Records Your credit reports may also contain derogatory marks associated with past financial bumps in the road. These derogatory marks could include bankruptcies , late payments , and delinquent accounts that have been sent to collections.
This is a three-digit number based on the information in your report.
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