Greenlight What's a credit report
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In an animation, lines of text appear on a report card.

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SPEAKER: A credit report is a lot like your high school report card. But instead of tracking your grades, like that A you earned in speech and debate, your credit report tracks how well you're managing your credit-- in other words, your credit worthiness.

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The report card flips over. Text and charts appear on a credit report. A squirrel with puffy cheeks thinks, "That's a mouthful."

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Lenders want to know if you're a risky borrower.

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A lumpy green monster stands over a risk dial that moves to red. The monster scowls and blinks.

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Your credit report helps lenders decide if you're reliable. Plus, it helps them determine how much they'll give you and what interest rate to charge you.

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More dials appear below titled borrow limit and interest rate.

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Your credit report shows all of your credit accounts and how well you're managing them.

Want

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These dials appear next to a list of accounts.

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to stay on honor roll?

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The monster smiles and stands atop a podium wearing a graduation cap and honor roll sash.

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Pay what you owe on time and in the full amount.

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A person pays bills online. They click, pay now.

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And check your credit report frequently.

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A smiling dial moves from red to blue. A credit report shows a score of 680.