Credit Report
A detailed record of your credit accounts, payment history, and debts, used to calculate your credit score.
In plain English
Your credit report is compiled by the three major credit bureaus (Equifax, Experian, TransUnion) and lists your open accounts, payment history, balances, and any collections or public records. Lenders pull it during pre-approval and again before closing.
Checking your credit report for errors before you start house hunting gives you time to dispute mistakes that could otherwise hurt your rate.
Where you'll run into it
Guides and tools on TheBuyingPath that cover credit report in context.
Related terms
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