Reporte de crédito vs puntaje: cuál es la diferencia

Credit Report vs Credit Score

Many people use these terms interchangeably, but they serve very different purposes.

Your Credit Report

A credit report is a detailed document containing:

Personal information — Name, addresses, SSN, employers

Account history — Every credit account, payment history, balances

Public records — Bankruptcies, tax liens, civil judgments

Inquiries — Who has checked your credit

You have THREE credit reports — one from each bureau (Equifax, Experian, TransUnion). They often contain different information.

Your Credit Score

Your credit score is a number calculated FROM your credit report data. Think of the report as the raw data and the score as the summary.

Why Both Matter for Disputes

When disputing negative items:

You dispute items on your credit report

When items are removed, your credit score improves

You must dispute with each bureau separately

Key insight: Errors on your credit report are the #1 reason for unnecessarily low scores. A Federal Trade Commission study found that 1 in 5 consumers had errors on their reports.

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