Who's Keeping Your Credit Score Down?
No matter how hard you try, you can't improve your credit score. Who's to blame? Identity thieves? President Trump? Space aliens? It's time to find out.
Start by reviewing your credit report, which is a compilation of your credit history. Creditors report activity on all of your loans and credit accounts, such as history of payments and outstanding balances, to the three major credit reporting agencies (Experian, Equifax, and TransUnion). Each reporting agency adds this information to their version of your report.
Your credit report includes your personal information, certain negative financial information that's a public record (such as a civil judgment against you), delinquent or unpaid accounts that have gone to collections, the record of past accounts, the status of current installment loans and revolving (credit card) accounts, and requests for your credit history.
Your cred...
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