A profile of how you (as an individual) have repaid previous loans to the companies you have borrowed money from, or how you have met other financial obligations.

A Credit Profile provides consumers with the option of receiving only the information that is made available to our business clients in an easy to read and understandable format.

Profile of an individual or company's capacity to receive credit and honor the terms and conditions of commercial credit.

An overview of your past credit history, usually including your current credit rating.

A history of what money was borrowed and how it was paid back.

A report that includes information from all three of the major CRAs (Credit Reporting Agencies).

The report showing your history of money borrowed and other financial obligations.

There are several ways to ensure you have a good credit report and credit score. One of the most effective is to manage your existing credit in a positive way. Ask your lender for suggestions about ways to control the amount of money you owe. Or, you can choose a credit counselor from the list provided on this site. Some lenders may view consumers as a greater risk if they have used most or all of their available credit. Consumers who are considered "overextended" may be viewed this way even if they have made all their debt payments on time. Missing a payment on a bill should be avoided, as should late payments on any of your credit obligations. Experiencing a mortgage foreclosure, filing for bankruptcy, or having your vehicle repossessed can also affect your credit score and credit report, limiting your ability to get new credit at a reasonable rate.