The Key to Understanding Credit Report Score

How To Read Your Credit Report
By Tom Koziol

"The Fair and Accurate Credit Transactions Act, signed into law on Dec. 4, 2003, gives every American the right to a free credit report every year from each of the three major credit bureaus -- Equifax, Experian and TransUnion.
What the law doesn�t do is give every American the ability to read their credit report.
Not one word in the law says the credit bureaus have to write it in plain, easy-to-understand language. Go to http://www.ftc.gov and click on consumers then credit and read it for yourself. Hopefully you�ll stay awake.
While all credit reports follow a basic format, some vary so what you are about to read doesn�t apply across the board. If you didn�t get it directly from one of the bureaus mentioned above, your best bet for a translation is the source providing your copy."
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