Two major components make up you
complete credit history: the Credit Report and
Credit/FICO score.
Think of your credit history as a financial
transcript, with both components being the complete
list of courses you’ve taken and your cumulative
GPA, respectively.
The information is collected and maintained by
independent agencies called credit bureaus. You can
contact any of the three main credit bureaus to
request a copy of your credit report and/credit score.
