Your credit report is divided into key sections that build your overall "score."

: Call 1-877-322-8228 to request your report by mail if you prefer a physical copy. 📊 What’s Inside Your Report?

: Serious improvements take several months or years , not 30 days.

: Just one 30-day late payment can drop a score by 60 to 110 points.

If your credit story isn't where you want it to be, you can rewrite it over time.

: History of your credit cards, mortgages, and loans.

: Many banks and credit card issuers provide a "free credit score" feature within their mobile apps.

: A list of companies that have checked your credit recently.