 TITLE: What Is a Credit Report? CONTENT: What Is in a Credit Report and How Do You Read It?\n--------------------------------------------------\nA credit report is a readable presentation of the data stored in your electronic credit file at one of the three national credit bureaus (Experian, TransUnion or Equifax). The information stored in your credit file at each bureau is essentially the same, but each bureau organizes the data differently, and each formats its credit report in its own way.\nYour Experian credit report is divided into four sections: END