Your credit record, also known as a credit report, is a detailed document that contains information about your credit history, including your payment history, the amount of debt you have, and any bankruptcies or other negative events. Checking your credit record is important because it allows you to see what information is being reported about you, and to correct any errors that may be affecting your credit score.
There are a number of ways to check your credit record. You can request a free copy of your credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) once per year. You can also purchase your credit report from a credit reporting agency or from a variety of other sources. If you have a credit card, you may be able to access your credit report through your credit card company’s website.