: A list of who has looked at your credit recently. "Hard inquiries" from lenders can slightly lower your score, while "soft inquiries" (like you checking your own score) do not affect it.
A credit report is much more than just a 3-digit number. It is a detailed history of your financial life, typically including:
: You can get free reports from CIBIL , Experian , Equifax , and CRIF High Mark .