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The Consumer's Guide to Credit Reports and Credit Scores describes the content of a credit report, explains how a credit score is used, credit report free no credit card Reno and discusses the role of credit bureaus in collecting and disseminating this information. Mortgage lenders, credit report free no credit card Reno banks, insurers, utilities, employers, and other businesses may obtain credit reports from credit bureaus to assess how an individual manages their financial responsibilities. Consumers need to know what's in their credit report and understand how negative information, such as late payments or credit report free no credit card Reno a bankruptcy filing, might affect a lender's decision to grant credit. The guide answers questions ranging from "What is a credit score?" to "How can I get a free copy of my credit report?" to "How long does negative information stay on my credit report?" It contains tips to help consumers improve their credit scores and provides step-by-step instructions for correcting an error in a credit report. free credit report monitoring

The Consumer's Guide to Credit Reports and Credit Scores can be found at www.federalreserve.gov/creditreports.

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