RESOURCE GUIDE
Consumer credit: know what is in your report
Official credit-report resources help readers move from a borrowing question to the relevant information.
By Staff Writer · Reviewed 2026-10-05
Start with the record
Before acting on a credit concern, identify whether the question involves a report, a score or a particular account. Keep statements and correspondence together. The CFPB’s credit-report and score resources organize information for readers dealing with these different issues.
Who this helps
These resources are useful when reviewing your credit history, preparing a borrowing application or looking for guidance about a suspected reporting mistake. They also cover specialty consumer reports, which can be relevant beyond ordinary loan applications.
Your next step
Use the official resource below to find the guidance that matches your situation. Record the organization you contact and retain copies of what you send. Do not send sensitive account or identity information to an unverified contact.