Your credit score is just a number that is based on your credit report. So having an accurate credit report is essential to maximizing your credit score, and getting and maintaining good credit and Qualifying For Credit.
Your credit report is a record of your personal credit history, based on information submitted by your lenders, your utility and cell phone companies, your landlord, and others with whom you do business. If there is a problem on your credit report, there is something you can do about it -- you can request your credit report and have the errors corrected.
