|| Rules For Protecting Your Credit ||
 || Checking Your Credit Report  || Understanding Your Credit Report ||
|| What If There's An Error || What About Fixing Bad Credit ||
|| Order Your Credit Report ||

When lenders make a decision to loan you money or issue you a credit card, one of the things they do is check your credit history.

They do this by ordering a credit report from one of the Credit Bureaus. Your credit history is contained within a credit report. A credit report lists personal information about you including a list of all your obligations, past and present, for the previous 7 years.

Most information older than 7 years automatically drops off the history, to be replaced by new information. But if you have negative information on your report, 7 years is a long time to have it haunt you. And it's difficult to re-establish good credit.

Although Credit Reports contain a wide variety of information, they can sometimes be wrong. In this section, we'll show you how to check and understand your credit report and how to correct any errors you may find.