1.List the three credit bureaus and identify how many times a year you can request a report from each.

1. Who has the authorization to use your credit report? Other than loan officers, provide two examples of parties to whom an individual might willingly want to provide access to their credit report.
2. AnnualCreditReport.comis the ONLY authorized source by the Federal Trade Commission (FTC) for an annual credit report.A copy of what goes into your credit report is available at no money cost.

Visit theFTCs Annual Credit Report(opens new window)(plain textlink:https://www.consumer.ftc.gov/articles/0155-free-credit-reports)to determine what a credit report is.

Describe the elements that are included in your credit report such as the types of credit used.

3.Who has authorization to use your credit report? Other than loan officers, provide two examples of parties to whom an individual might willingly want to provide access to their credit report.

4.AnnualCreditReport.comis the ONLY authorized source by the Federal Trade Commission (FTC) for an annual credit report.A copy of what goes into your credit report is available at no money cost.

Visit theFTCs Annual Credit Report(opens new window)(plain textlink:https://www.consumer.ftc.gov/articles/0155-free-credit-reports)to determine what a credit report is.

Describe the elements that are included in your credit report such as the types of credit used.

5.

If you can, access your credit report from one of the three credit bureaus. Save your credit report somewhere secure or print a copy for private use only.

Now, describe what you find most interesting in your credit report.For example, you might not have noticed how many times you were late on paying your credit card bill.

If you can't access your own credit report, talk to someone like a parent who has a credit report.Ask that person to describe what they find to be of greatest interest.

6.How can a positive credit report help you prosper? How can a negative report weigh you down? What actions can you take to improve your credit history?