State what you learned about your credit report. For example, is your credit score what you expected, are all of your outstanding debts presented with correct information, etc. State what additional information that you noticed that a credit report provides or any surprises that appeared on your credit report. Are there mistakes or information that you plan to write to the credit bureau to question? Based on what your personal credit report shows, what is your plan of action to either increase your credit score, increase or decrease balances on your credit report, resolve errors or issues on your credit report, etc.