If you wish to fix a credit report, you first need to understand what it is. A credit report is a detailed document compiled and maintained by various credit agencies or bureaus. It contains financial data gathered from various sources. This includes personal as well as public information. A credit report contains information on your past and present financial information. This will include credit card accounts. It will provide data on your payment histories as well as any balances you may have. In the United States there are 3 major credit agencies. These are TransUnion, Equifax and Experian. If you wish to fix a credit report, you need to see if you can expunge any outdated or irrelevant material. You also need to work on your credit score. If it is low, you will have to adopt financial patterns and methods to raise it.