What Do Lenders See When They Look at Your Credit Report?



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When lenders pull your credit, they don’t see the same credit report that you see. So what exactly do they see during a credit inquiry? Credit expert John Ulzheimer has the answer in this video.

TIMESTAMPS
0:00 Intro
0:53 Two types of credit reports
3:00 What lenders see
4:03 How the credit file system works
4:36 What happens when you pull your own credit report & score

ABOUT CREDIT COUNTDOWN
Credit expert John Ulzheimer shows you how credit works. Having worked in the credit industry for nearly three decades for companies such as FICO, Equifax, and Credit.com, John Ulzheimer is one of our nation’s most sought-after credit experts and the leading authority on credit-related topics.

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2 Responses

  1. Fred Livai says:

    Is an Authorized User account illegal if you don't know the person?

  2. L ESPi says:

    Question: if I get a tradeline and shoots my score up . Will a lender be able to tell that it was due to being a authorized user? And maybe deny more for let's say a car loan or mortgage loan?

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