A credit report is a record of your financial history that includes your personal information, details about your credit accounts (such as credit cards and loans), payment history, current and past balances, credit inquiries, and your credit score. A good credit history means you consistently pay your bills on time, manage your debts responsibly, and keep low balances, which helps build trust with lenders and makes it easier to get new loans and lower interest rates.
*All online applications will be charged a verification fee.