Your credit report shows information about you and your history with credit. It includes your accounts, payment history and sometimes negative marks such as collections, if you have them. That information has a powerful impact on your finances — and your credit score — so it’s important to be sure the data is correct and up to date. You can dispute errors and ask for them to be removed by the credit bureau or creditor responsible for the data. (And we’ve got you covered if you’re not sure how to read your credit report.)