A MyCreditNow Report is a detailed history of the loans you’ve received and credit cards you’ve used. Your accounts such as clothing, telephone etc. will also appear on the credit report. For each account, the credit report shows your payment history, current balance, credit limit, the date the account was opened, and whether the account is open or closed.

Your Credit Score is a three digit number based on the information in your credit report. Credit-scoring models may factor in the number of years you’ve had credit, how much of your available credit you’re currently using, whether you’ve recently made any late payments, and how recently you’ve had any negative actions or credit applications.