 TITLE: What Is a Credit Report? CONTENT: How Information in Your Credit Report Affects Your Credit Scores\n----------------------------------------------------------------\nExcept for your personal information, everything listed in your credit reports has the potential to affect your credit scores, with payment history and credit utilization being the two most important factors.\nLenders like to see a healthy combination of well managed accounts, such as credit cards, an auto loan and a mortgage, so a good credit mix can positively affect your credit score as well.\nYour credit report can help you understand information that affects your credit scores, and can be the basis of a plan for credit-score improvement. END