6 items to review on your credit report

Key credit report indicators

Every birthday, check these two numbers
By Jean Chatzky

Key credit report indicators
Key credit report indicators

You've pulled one of your credit reports. Now what?

As you've probably heard by now, you're entitled to free copies of your credit reports. Federal law gives you the right to request your three credit reports, one from each of the three major credit reporting agencies, every year through

You can get them all at once or throughout the year. Personal finance gurus often recommend pulling one report every four months so you're regularly tracking your records. Either way, checking your credit reports is a smart move when you consider that information from your credit report determines your credit score.

But once you get that report, what do you do with it?

How about giving it the six-minute treatment? While you definitely want to read the full report in detail, a quick check on a handful of indicators can give you an instant appraisal of how good --or bad -- your credit is right now.

Here are six markers that can provide an X-ray of your credit health.


Show Bankrate's community sharing policy
          Connect with us
Product Rate Change Last week
Balance Transfer Cards 16.11%  0.01 16.12%
Cash Back Cards 16.49%  0.04 16.45%
Low Interest Cards 11.23% --0.00 11.23%
Credit cards on a table

Get advice for managing credit cards, building your credit history and improving your credit score. Delivered weekly.


Credit Card Blog

Jeanine Skowronski

US coming back to credit cards

Credit cards are taking back market share from debit and prepaid ones -- a sign our Recessionary scars are healing.  ... Read more

Partner Center

Connect with us