What is a credit report? Credit FAQs What is a credit score? Credit score FAQs Why should I check my credit report regularly? You can get a free credit report from the credit bureaus in limited cases What factors influence a credit score? There are several ways to dispute inaccuracies on credit reports Authorized users may be able to remove account information from their credit reports Find out how the Fair Credit Reporting Act benefits you Negative credit notations will cycle off your credit report "Charge-Off" means an account has been written off or sent to collections Different credit reports are sometimes accidentally merged Your credit report contains different kinds of inquiries Employers check credit reports to see if you're responsible with money