Credit reports show how you manage your credit accounts, including payment history and current balances. However, not all ...

Lenders use credit reports to assess risk. Monitoring your credit helps you spot errors and build a strong history, which can lead to better mortgage rates.

A credit freeze restricts access to your credit report. You can place a free freeze – or unfreeze your credit – with each bureau online, by phone or by mail. Many, or all, of the products ...