If you are getting ready to review your credit report you may want a refresher on how to read the credit report. You may get your credit report by mail in a hard copy form or you may opt to view an electronic version of your credit report online.
The top of your credit report will list your personal details, including your address and current or past employers.
The next part of your credit report is typically a credit summary. It is a summary of all that is in the credit report. It will show things like how many total accounts are on the credit report, how many accounts are open, how many are in good standing, how many are not in good standing and so on. Public records are also listed, which includes things like a bankruptcy.
All of your accounts and data about your payment history makes up the bulk of a credit report.
At the of all of that is where the credit inquiries section is located on your credit report. Any time you have applied for a credit card or loan you will see it listed in this section of your credit report. The info stays here for 2 years.
If there is any incorrect information on your credit report you can dispute it with the credit bureau. The dispute process will be listed on your credit report somewhere.
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