<meta property="cq:wcmmode" content="disabled"/><meta property="articleFeedData" content="{"baseUrl":"/articles/topics/credit-report","bottomArticles":[{"date":"Thu Nov 18 11:01:00 PST 2021","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2025/07/OTJ-Article-large.jpg","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/sean-p-egen/jcr:content/data/master","previewDescription":"If you review your credit report(s)\u2014like you should at least annually\u2014you may notice a preponderance of revolving credit accounts, or tradelines. And the majority of those are probably credit cards, unless you\u2019ve opened a revolving line of credit with a financial institution.","title":"Do I Need Installment Credit In My Credit Mix?","pagePath":"/articles/do-i-need-installment-credit-in-my-credit-mix","imageAlt":"Credit Wrecker: One Track Jack painting a picture of a credit card","tags":["creditonebank:CreditBasics","credit-one-central-topics:credit-report","credit-one-central-topics:credit-card","credit-one-central-topics:credit-score"]},{"date":"Fri Nov 12 00:00:00 PST 2021","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2021/11/Why-to-Check-Your-Credit-Reports-Annually.jpg","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/sean-p-egen/jcr:content/data/master","previewDescription":"With a new year approaching, it\u2019s time to once again examine our behaviors and habits over the past year in order to formulate those dreaded New Year\u2019s Resolutions lists. The good news is that every resolution on that list doesn\u2019t have to be painful. There\u2019s one you can implement that could improve your finances, help you stay on top of your credit, protect you from fraud and identity theft, and possibly even improve your credit score. And it\u2019s easy and free to do.","title":"7 Reasons to Check Your Credit Reports Annually","pagePath":"/articles/7-reasons-to-check-your-credit-reports-annually","imageAlt":"Why You Should Check Your Credit Report Annually","tags":["creditonebank:CreditBasics","credit-one-central-topics:credit-report","credit-one-central-topics:identity-theft","credit-one-central-topics:credit-score","credit-one-central-topics:fraud"]},{"date":"Thu Apr 01 15:25:00 PDT 2021","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2021/07/104788 Who Can and Can't Report on Credit Reports.jpg","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/sean-p-egen/jcr:content/data/master","previewDescription":"A credit report is a bit like an academic report card, only instead of reporting how one is doing in school, it conveys how one\u2019s doing managing their credit. It does this by reporting account information supplied by creditors, similar to the way instructors supply grades that represent how well a student is doing in their courses. But instead of assigning a letter grade or numeric grade point, creditors report account activity to the consumer credit bureaus (the agencies that produce credit reports). Information such as payment history, how long an account has been open, credit limit, account balances, account opening and closure dates, and more. ","title":"Who Reports to Credit Bureaus?","pagePath":"/articles/who-reports-to-credit-bureaus","imageAlt":"Credit Report Data Furnishers","tags":["financial_education","credit-one-central-topics:credit-card","credit_basics","credit-one-central-topics:credit-report"]}],"authorArticlesMobile":[],"topArticles":[{"date":"Mon Oct 16 00:00:00 PDT 2023","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2023/10/230540_DA_5PersonalImpactsLBA_SEOA_FINAL.jpg","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/heather-vale/jcr:content/data/master","previewDescription":"You might strive for balance and separation, but personal issues like stress and debt can have a serious impact on your professional life.","title":"5 Surprising Ways That Your Personal Life Can Impact Your Professional Life","pagePath":"/articles/5-ways-that-personal-life-can-impact-your-professional-life","imageAlt":"A frustrated businesswoman holds her head in her hand while working, indicating that personal factors have affected her professional life.","tags":["creditonebank:PersonalFinance","credit-one-central-topics:credit-report","credit-one-central-topics:credit-score","credit-one-central-topics:financial-tips","credit-one-central-topics:jobs","credit-one-central-topics:building-credit"]},{"date":"Thu Dec 15 14:08:00 PST 2022","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2021/02/104343 COC_58_article024.jpg","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/sean-p-egen/jcr:content/data/master","previewDescription":"Applying for credit can be a daunting process. From finding the right credit card or auto loan to filling out a mortgage application and waiting for approval, obtaining new credit takes time, careful consideration, and patience. Each time a lender accesses your credit score to make a decision, you run the risk of damaging your creditworthiness.","title":"Hard vs Soft Credit Checks: What\u2019s The Difference?","pagePath":"/articles/understanding-the-difference-between-hard-and-soft-credit-inquiries","imageAlt":"Financial Advisor Explaining Information to Couple","tags":["creditonebank:CreditBasics","credit-one-central-topics:credit-card","credit-one-central-topics:credit-report"]},{"date":"Mon Dec 13 10:38:00 PST 2021","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2021/12/105234_Could_This_Raise_My_Credit_Score_Header.jpg","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/sean-p-egen/jcr:content/data/master","previewDescription":"Got a credit score that could use a bump? Looking to show some love to that three-digit numeral that expresses your creditworthiness to potential lenders?","title":"Could This Improve My Credit Score? [Quiz]","pagePath":"/articles/could-this-improve-my-credit-score-quiz","imageAlt":"Quiz: Will This Improve My Credit Score?","tags":["creditonebank:CreditBasics","credit-one-central-topics:credit-report","credit-one-central-topics:credit-card","credit-one-central-topics:credit-score"]}],"lastPageNumberMobile":0,"currentPageNumber":5,"lastPageNumber":7,"articlesTopics":["credit report","financial tips","fraud","credit score","jobs","building credit","credit card","identity theft"],"currentPageNumberMobile":5}"/>
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