LEARN · REPORTS & SCORES
Credit reports and scores
A credit report holds account information. A score is one model's calculation from one report on one date. Most confusion about authorized user accounts comes from mixing the two — or comparing two scores that measure different things.
EP. 13 · Coming soon
How to pull your credit reports from all three bureaus for free
The official route, with dated copies for your records.
EP. 09
How FICO 8, FICO 9 and VantageScore treat authorized user accounts
What the public guidance says, and where it stops.
Related: How to read an authorized user account on your report · Free tracker