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Once you have your free report, what in the world do all those abbreviations, numbers and codes mean?! The most widely used system for scoring is the FICO score, developed by The annualcreditreport.com Baton Rouge Fair Isaac Corporation, and the number determines the risk to extend credit to an individual. Credit reports are usually divided annualcreditreport.com Baton Rouge into sections; identifying information, public records, credit annualcreditreport.com Baton Rouge history, and inquiries to your credit report annualcreditreport.com Baton Rouge from creditors looking to extend you annualcreditreport.com Baton Rouge credit based on your credit score. The identifying information includes your name, address, and annualcreditreport.com Baton Rouge social security number. Usually this section annualcreditreport.com Baton Rouge will also include a list of your previous addresses, your date of birth, phone number, spouses name, employers information. check credit score online The public annualcreditreport.com Baton Rouge records section is the section you hope has no information. This is where a bankruptcy or judgment would show up annualcreditreport.com Baton Rouge on your report, and it will annualcreditreport.com Baton Rouge harm your rating more than anything else on the report, and take longer to annualcreditreport.com Baton Rouge repair. It will list every creditor youve ever had business with, including accounts that have been closed and those that annualcreditreport.com Baton Rouge remain open with no balances, and accounts that you are currently making payments on.