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- Hey Michael! I was calling you all day yesterday to go hang out by the beach.
- I went down by the Toyota St.Croix yesterday and I test drive a brand new 2022 Toyota Tacoma 4x4. I filled out the paperwork gave them all the information they asked for.
- Wow! You plan to roll out with a nice ride. Does it come witha sunroof? 
- I got a call from the salesman, I'm thinking he's calling me to come pick up the truck. That man said my credit score to low and I have deliquent and change off on my creit report none of the banks would approve my loan.
-  They are othree different types credit report agancies you should be able to get a free copy form once a year. That's Equifax, Expenan and Transunion. Look them up to get a free copy and start clearing up whatever you have on your report, keep track of your credit score and before you know it you will be driving that Toyota Tacoma.
- But Michael there are lots of free credit monitoring apps out there and you don't use any to keep track of your credit. and whats on your credit report?
- Jay i never really pay much attention to my credit score much less a credit report, I didn't know it was that serious.
- Michael what is on your credit r`epor1t helps determines your credit score. Your credit report contains information such as your name social security number and address. It keeps track of alllthe credit cards, loans, and bills you have in in your name.
- Wow Jay, I never know that.
- Once you start paying off stuff on your credit and making your credit payments on time your credit score should go up. On time payments contribute 351% of how your credit score is all calated along with other factors like your amount of debit, new credit, length of your credit history and thre different types of credit account you have.
- Jay thanks alot for all that informations.
- Jay so tell me since you know so much about how credit report can I access my report.
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