Credit reports and scores basics

Does my history of paying utility bills, like telephone, cable, electricity, or water, go in my credit report?

Why are some of my debts not showing up on my credit report?

What does it mean to put a security freeze on my credit report?

How can I find out who has accessed my credit report?

What happens when I tell a company it sent inaccurate information to a credit reporting company?

What can I do if I disagree with the results of a credit report dispute?

Are credit scores used in employment screening?

Do I have to pay for my credit score?

How long does negative information remain on my credit report?

Will I automatically get good interest rates if I have a good credit score?