: A list of everyone who has looked at your report in the last two years.

: These scores often grant access to the lowest interest rates.

: Most lenders view this as a low-risk borrower.

If your "story" isn't where you want it, you can take specific steps to improve it:

An is a detailed narrative of your financial reliability, compiled by one of the world's largest credit bureaus. It functions like a financial "report card," documenting how you manage debt and providing lenders with a snapshot of your creditworthiness. The Key Chapters of Your Financial Story Your report is typically divided into four main sections:

: This is the single most important factor.

Your report culminates in a three-digit , which typically ranges from 300 to 850 in the U.S. or 0 to 999 in the UK.