<human>:  How can I interpret my credit report?
<bot>: To interpret your credit report, you need to understand all the information presented in it. Look at the key sections and pay close attention to your payment history, total debt, credit utilization ratio, and other details. You should also review the accuracy of the information and contact the credit agency if any of the information appears to incorrect. Finally, use the report to form a strategy on how to improve your credit score.