After a long search you’ve finally found out who’s dragging down your credit score.
Surprise! It’s you.
Your credit score reflects your entire credit history as recorded on your credit report. Lenders and creditors report your account activity to each of the three major credit reporting agencies (Equifax, Experian, and TransUnion) – whether that activity is positive or negative.
It’s possible your credit report contains reporting errors that are dropping your score – or worse, identity thieves are running up unexplained charges on your credit report or establishing fake accounts in your name. Get a copy of your credit report and address any mistakes or fraud immediately. If you would like to monitor your credit to prevent identity theft and see your credit report and score for free,