For Parents
Credit Report
You are entitled to one free credit report per year
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This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
What's in Your FICO® Score
FICO Scores are calculated from a lot of different credit data in your credit report. This data can be grouped into five categories as outlined below. The percentages in the chart reflect how important each of the categories is in determining your FICO score.
These percentages are based on the importance of the five categories for the general population. For particular groups - for example, people who have not been using credit long - the importance of these categories may be somewhat different.
Resources and Handouts
Booklet - Understanding your FICO Score
FICO Scores - Understanding the Crossroads that Lead to Explaining the Score (Handout)