Chapter 1
~:~~u~thiness
What you ll find in this chapter:
，，m All about credit bureaus
\"~ What a credit rating is
~\"~ How creditors measure your credit rating
~ Taking a look at your credit s health
，~i， The scoring system
Nothing can hurt you financially like having bad credit. Your credit
report， the history of your credit activity which credit bureaus keep track of，
osF， NmoN could be the best asset--or worst liability--you have. Creditors who subscribe
to credit bureaus pay to obtain the credit information contained in those
bureaus files. Usually the same potential creditors who receive information
about you also provide information to the credit bureaus.
How the credit bureaus work
When you fill out an application for credit from a bank， store or credit
card company， that information is forwarded to the bureau， along with
constant updates on the status of your account. But not all creditors report
what they know about you to the credit bureaus. And of those that do， not all
report the entire contents of their files. For these reasons， it is essential to
know what is contained in your credit report.
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