1. Credit Karma Credit Report
Credit Health Information

2. Credit Reports Overview
Credit reports are how lenders determine your credit worthiness.
Lenders will purchase your credit report to determine your credit worthiness.
Your credit report my also be requested by employers, landlords, and anyone else that has a right to it.

3. Sources About.com Creditcards.com
The High Cost of a Credit Report: NYTimes

4. Credit Scores

5. Credit Factors What affects you credit score. Credit Card Utilization
Payment History 
Derogatory Marks 
Age of Credit History 
Total Accounts
Credit Inquiries

6. Credit Card Utilization
The percentage amount of your available credit. The more credit you use, the harder it may be to pay back.
The scores may differ if they were not calculated on the same day.

7. Credit Card Utilization

8. Payment History 
The percentage of your payments that were made on time.
Lenders often look at your on-time payment history to determine whether you’re likely to make future payments on time.

9. Derogatory Marks 
Derogatory marks may include accounts in collections, bankruptcy, foreclosure or tax liens and can severely impact your score.

10. Age of Credit History
The average length of time your accounts have been open.
The longer you responsibly manage credit, the more you demonstrate your creditworthiness to lenders.

11. Total Accounts
The total number of open and closed accounts on your report.
Lenders generally like seeing several (and varying) accounts on your report because it shows that other lenders have trusted you with credit.

12. Credit Inquiries Lender requests for your credit information.
Applying for a new line of credit will generally result in a hard inquiry. A lot of hard inquiries on your report may suggest that you're desperate for credit or aren't getting approved by other lenders.

13. Credit Inquiries from Car Dealerships
Dealerships will submit your car loan application to multiple dealership resulting in multiple hard inquiries.

14. What else about Credit Reports?
The 3 main credit bureaus, or credit reporting agencies, are Experien, Equifax, and TransUnion.
Your credit report contains your credit history as well as other information.
Lenders pay for a copy of your credit report to verify your credit worthiness.
You do not need to pay for your credit report.
You are allowed to attach a letter to your credit report to explain anything that is not in your favor. For example:
Temporary financial trouble from unemployment, etc.
Mistakes

15. You can get a free copy of your credit report once each year from each of the credit report agencies through AnnualCreditReport.com
More information
What Is in a Credit Score?
Why Your Credit Score Matters