Have bad credit but don't know why? You need to check your Credit Report to find out why you aren't getting the loan that you need or are not qualifying for low interest rates.

Your Credit Report contains valuable information that lenders use to evaluate your risk. The lower risk you are, the more likely you are to get a loan and at lower interest rates.

The three major Credit Reporting agencies are: Equifax, Experian, and TransUnion. Lenders may use any, or all three, of these to evaluate your credit report.