A credit report is the full picture a credit bureau has of an individual.
This includes the following:
- Opened/Closed Tradelines (e.g., credit cards/revolving accounts, mortgages, personal loans, and auto loans)
- Personal information, such as current and former address, employer, birthdate, payment history, and any derogatory information that may be present.
At the end of every month, StellarFi reports all your on-time bill payments to the four major credit bureaus: Experian®, TransUnion®, Equifax®, and Innovis®. This means the credit report on your dashboard reflects the scores from all three bureaus.