Your credit report offers a snapshot of your financial life and may be accessed by anyone from potential employers to lenders.
Plus, the information it contains determines your credit score.
For more details of what steps to take if you suspect you’re a victim of identity theft, check out our video.
This section will list all of your credit accounts—both current and past, from credit cards to medical bills—and your record of paying them back. Perhaps your doctor’s office mistakenly reported that you neglected to pay your deductible, for example.
If errors like this occur, it’s a good idea to reach out first to the creditor and then to the credit agencies themselves.
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Bank of America and/or its affiliates, and Khan Academy, assume no liability for any loss or damage resulting from one’s reliance on the material provided.
Please also note that such material is not updated regularly and that some of the information may not therefore be current.
Consult with your own financial professional when making decisions regarding your financial or investment options.
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Some banks and credit card companies provide you with a copy of your credit score as part of your monthly statement, but if you ask the credit agencies for it, you may be charged a fee.
However, your credit report must be given to you free of charge once a year by each of the major credit bureaus if you ask for it.
When you’re ready to get out of debt, sometimes it’s hard to know which path you should take.