A credit report is a summary of what debts you owe and a history of how promptly you have paid off your bills. The information comes from the companies where you have credit accounts and from public court records. It is collected and stored by companies often called credit bureaus who make the information available when you want to get a credit card or make a major purchase on a payment plan.
The three major credit-reporting agencies are:
Equifax
1-800-685-1111
Experian
1-888-397-3742
TransUnion
1-800-888-4213