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ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

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Resources & Tools

Understanding Credit Reports

Credit reports might seem really complicated.

So let’s make them uncomplicated.

There are 6 key sections of a credit report:

  • Personal information like your social security number and addresses
  • Summary of your credit information
  • Negative information from courts or collection agencies
  • Trades: a current record of your accounts
  • Hard inquiries made for your credit report
  • Creditor’s contact information

Now let’s answer some frequently asked questions.

Visit annualcreditreport.com to get a free copy of your credit report every 12 months from Equifax, Experian and TransUnion.

The term high credit may seem odd, but it just means the highest amount that has been charged to an account.

The little boxes you see in the Trades section indicate if you have any late payments and shows how late they were.

If you see an error on your credit report, contact the credit reporting company immediately to start the process.

Credit scores don’t appear on your credit report. There are a few free sources, but most of the time you need to buy your scores or access them through another service.

Want to see a sample credit report? Visit ConsumerCredit.com, click on Financial Education and then Credit.

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