Credit Ninja: Credit Reports

Explore the shrine to your credit, so you can see what others see.

Your credit report is a shrine to your credit past. It enshrines all the good (and bad) events that occurred in your recent credit history. Visitors use it to judge your creditworthiness, and if they find it lacking you can find doors locked to you. But knowing your report is the key to unlocking those doors so you can reach your goals.

In this lesson, the Credit Ninja walks you through your credit report so you can understand what it says and use it to construct the best credit profile possible. You’ll learn:

  • The six pillars of a consumer credit report
  • Who can (and can’t) request a visit to your credit shrine
  • How many reports you really have and revisit them each year

By the end of this lesson, you’ll understand the importance of your credit report and how to maintain it over time.

Let’s get a read on your credit report!