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Credit is an agreement between a creditor (lender) and a borrower (debtor)

The debtor promises to repay the lender, often with interest, or risk financial or legal penalties Get credit reports and credit scores for businesses and consumers from equifax today We also have identity protection tools with daily monitoring and alerts Find the official place to get a free credit report

See what information is in a credit report and how lenders and other organizations may use them. Here’s what to know about how to dispute errors on your credit report and avoid credit repair scams. Your credit report shows your credit history — how you handle money and pay your bills It can affect whether you get a job, can rent an apartment, or get a credit card or loan.

Credit is defined as the ability to borrow money with the promise that you'll repay it, often with interest

Having good credit gives you financial flexibility. You have the right to request one free copy of your credit report each year from each of the three major consumer reporting companies (equifax, experian and transunion) by visiting annualcreditreport.com You may also be able to view free reports more frequently online.