Credit Card Debt $ Select One 0 1 - 2,499 2,500 - 4,999 5,000 - 7,499 7,500 - 9,999 10,000 - 12,499 12,500 - 14,999 15,000 - 19,999 20,000 - 29,999 30,000 - 39,999 40,000 - 49,999 50000+ Other Unsecured Debt $ Select One 0 1 - 2,499 2,500 - 4,999 5,000 - 7,499 7,500 - 9,999 10,000 - 12,499 12,500 - 14,999 15,000 - 19,999 20,000 - 29,999 30,000 - 39,999 40,000 - 49,999 50000+ Number of Creditors    Select One 2 3 4+ Status of Bill Payments    Select One Up to Date About to Fall Behind 1 Month Behind 2 or More Months Behind I want to    Select One Eliminate My Debt Consolidate My Debt Seek Advice Own a Home?    Yes  No

Types of Credit Reports - File vs. Report

According to the Fair Credit Reporting Act, "The term file" when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless how the information is stored.

The word "report" relates to what a lender or other party user of your information receives.

-Tri-merge/Merged In-file Report - is a credit report that combines all three bureaus reports into one report, with tradelines arranged so that the same accounts can be viewed next to each other and differences noted.

- Residential Mortgage Credit Report (RMCR) - a generic name for a merged credit report.

- Consumer Disclosure Report - what consumer receives when they request their own credit report will show everything as "soft" inquiries.