How To Make Your Credit Report Work For You 
You have probably been hearing about the importance of good credit for quite some time now. However, you may not know exactly how you can achieve the good credit status that is highly sought after these days. One thing that you need to know is that you can actually use your credit report as a handy tool to help you build up or improve your credit score.
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Basically, your credit report is a complete history and record of all of your loans, credit cards and so on. This report will include such information as your payment histories, where you have applied for credit, where you have applied for employment and more.
In the United States, a credit score is a number based on a statistical analysis of a person's credit files, that represents the creditworthiness of that person, which is the likelihood that the person will pay their bills. A credit score is primarily based on credit report information, typically from one of the three major credit bureaus: Experian, TransUnion, and Equifax.
how would I know, thanks!