(e.g., applying for a loan) can slightly lower your score.
A record of who has accessed your report in the last two years. credit report with score
Name, address history, Social Security number, and date of birth. Social Security number
Lenders use scores to predict the likelihood that you will repay debt. credit report with score
(e.g., checking your own score) do not affect it.
Significant financial setbacks like bankruptcies (which stay for 7–10 years) or accounts sent to collection agencies. Understanding Credit Scores