How do things get on my credit report?

How do things get on my credit report?

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How do things get on my credit report?
Creditors like banks, credit card companies, cell phone providers and even hospitals, report your payments to the credit bureaus. These bureaus (Experian, Equifax and TransUnion) keep a record of everything reported to them by your creditors. That includes the time you paid your bills late. Also, when that one debt went to collections. Oh, and when you filed bankruptcy? That’s on there too. These are called negative items, and typically, they have a negative impact on your score (surprise, surprise).

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