Your credit is a payment history showing whether or not you have paid outstanding debt as agreed. Based on information, creditors will determine if you are a good credit risk.

How to Read a Credit Report
Your credit report is broken down into separate sections. Depending on which type of credit report you ordered, you may run into a few differences. You will receive a key to help you determinewhat the different codes mean. In general, your credit report will break down into 5 separate sections. Remember that they could be in different order than listed below.
Personal Information
 This will list all your personal information such as your name, social security number, previous addresses, and previous job history.
Public Record Information
This section will list any liens, bankruptcies, or judgments that are filed against you. 
Collection Accounts
A collection account reflects when the original creditor was not successful in collecting a debt and that they chose to sell the account to a collection agency.
Credit Accounts
This is the bulk of your credit report. All secured and unsecured credit accounts and loans are listed with detailed payment history.
Inquiries reflect any credit that has pulled your credit report.

Remember to review all of this information to make sure that it is correct.

ACT NOWDon’t wait. Set up a FREE credit review now, contact CCCS today by calling 800-821-4040 or emailing

What Makes Up a Credit Score

A credit score is a 3-digit number that can influence credit available to you and what credit and terms lenders will offer you.







Payment History                     

Amounts Owed                      

Length of Credit History       

New Credit                                

Types of Credit Used  

Are you paying you credit accounts on time?

Percentage of available credit that was borrowed.

A longer credit history will increase your credit score. 

How often do you open new credit accounts?

What’s your mix of credit accounts?

To learn more about credit and credit scores visit myFICO

Get Your Credit Report for Free

Annual Credit Report
Federal law requires each of the three nationwide consumer credit reporting companies- Experian, Equifax and TransUnion to give you a free credit report every 12 months if you ask for it. is the only website that provides your credit report for FREE. Although you do not receive your credit score, pull your credit report to ensure that the information on all of your credit reports is correct and up to date.

Credit report with score on a desk