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    noted are the credit cards that you hold, the limit on each and the outstanding balance; the date and amount of any missed or late payments on cards and other accounts; your record of paying your utilities on time; your employment informat
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    How much do you know about your credit report? Do you know what gets recorded in it, and how your credit report affects you when you apply for a credit card? Here are some things you should know about your credit report.

    1. What is a credit report? Consumer credit reporting agencies compile information about you through many sources. These include your accounts with utility companies, any accounts you may have with merchants, credit card vendors and other lenders. Your report provides a snapshot of your credit history. When a lender looks at your report, they'll be able to tell if you generally make your bill and account payments on time, how much credit you have available to you and whether or not you're a good financial risk for the to loan money.
    2. What's in my credit report? Your credit report contains anything having to do with your credit history. Among the things most often noted are the credit cards that you hold, the limit on each and the outstanding balance; the date and amount of any missed or late payments on cards and other accounts; your record of paying your utilities on time; your employment informati
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      trong>What is a credit report? Consumer credit reporting agencies compile information about you through many sources. These include your accounts with utility companies, any accounts you may have with merchants, credit card vendors and other lenders. Your report provides a snapshot of your credit history. When a lender looks at your report, they'll be able to tell if you generally make your bill and account payments on time, how much credit you have available to you and whether or not you're a good financial risk for the to loan money.
    3. What's in my credit report? Your credit report contains anything having to do with your credit history. Among the things most often noted are the credit cards that you hold, the limit on each and the outstanding balance; the date and amount of any missed or late payments on cards and other accounts; your record of paying your utilities on time; your employment informat
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      rs and other lenders. Your report provides a snapshot of your credit history. When a lender looks at your report, they'll be able to tell if you generally make your bill and account payments on time, how much credit you have available to you and whether or not you're a good financial risk for the to loan money.
    4. What's in my credit report? Your credit report contains anything having to do with your credit history. Among the things most often noted are the credit cards that you hold, the limit on each and the outstanding balance; the date and amount of any missed or late payments on cards and other accounts; your record of paying your utilities on time; your employment informat
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      ou and whether or not you're a good financial risk for the to loan money.
    5. What's in my credit report? Your credit report contains anything having to do with your credit history. Among the things most often noted are the credit cards that you hold, the limit on each and the outstanding balance; the date and amount of any missed or late payments on cards and other accounts; your record of paying your utilities on time; your employment informat
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      noted are the credit cards that you hold, the limit on each and the outstanding balance; the date and amount of any missed or late payments on cards and other accounts; your record of paying your utilities on time; your employment information, including amount and source of income; whether you have ever had a loan or account written off, and whether there have been any CCJs issued against you.
    6. Someone who accesses your credit report will know how much you make, how much you owe, how much more credit you have available to you and how responsible you are about paying your bills.

    7. Who can see my credit report? Only you and those with a valid reason for needing information about your credit history can access your report. Those valid reasons include verifying income for loan purposes, checking credit before leasing you a flat or checking your credit records before hiring you for a job.

      In general, any of these people must have your permission before accessing your credit report. When you sign an application for a loan or a job or a place to live, chances are the application includes a clause granting permission for the company or individu

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