A credit report is a document that lists your financial accounts and includes the activity on them, from credit cards and auto loans to mortgages and more. Both open and closed accounts show up on your credit report for a period of time, as do collections accounts and bankruptcies.

Equifax, Experian, and TransUnion are three separate companies that generate consumer credit reports. Financial institutions aren’t required to report your account activity to all three, meaning your three credit reports can look somewhat different from each other. The information on your credit reports is used to determine your credit scores, which is one of many reasons why it’s so important to review your credit reports regularly.

You can receive each of your three credit reports for free once per year on AnnualCreditReport.com. Click here to learn more about what to look for when you’re reviewing your credit reports.