ever wondered what information goes into your equifax credit report I'm here to tell you a credit report is a summary of your financial history this includes credit cards that may be in your name mortgages student loans vehicle loans public record information or debts you may have failed to pay credit reports also contain your personal information such as your name and address one of the ways banks and other companies can see your credit history is by getting your permission your credit history will help potential lenders determine your creditworthiness for example if you apply for a loan or a credit card a lender may look at the information in your credit report to decide whether to lend you money they'll also use it as one way to decide what interest rate to give you based on the risk they think they're taking you might hear people refer to the information on your credit report as negative and positive so what does this mean negative information may indicate a situation where accounts haven't been paid on time and positive information typically refers to accounts that have been paid successfully the three nationwide consumer credit reporting agencies collect and maintain a history of your credit activity as reported by the lenders and creditors you have accounts with remember you can get a free copy of your credit report once a year from each of the nationwide consumer credit reporting agencies to do this go to annualcreditreport.com well you won't get a credit score with this credit report you will be able to see the information we've discussed here and it means you'll start getting into a great credit habit checking your credit report [Music] we are here to provide information you need to make smart financial choices