The report lists your name and any name you may have used in the past in connection with a credit account. Carefully check your report to be certain these are accurate. Your credit report contains a large volume of information. Looking at it closely, you’ll see the information is grouped into four sections.
Names and Residences
- Personal information such as your name, social security, date of birth and current and previous addresses, and phone numbers
- Current and previous addresses and employers, social security number, and date of birth
Your history of paying bills as reported by credit grantors or public agencies:
- Retail stores
- Finance companies
- Mortgage companies
- State and Federal Courts
- Inquiries: The report lists companies that have accessed your credit report. Companies that received your I.D. or credit information for the purpose of offering you credit, providing a service, or for employment.
- Collection items: The report lists unpaid debts that have gone into collection.
- Public records: The report lists liens, foreclosures, bankruptcies, civil suits and judgments, and criminal arrest and conviction records. The reports may also include information on overdue child support provided by a state or local child support agency or verified by any local, state, or federal government agency.
Your Credit Report Does Not Contain Information About
- Political party affiliation
- Medical history
- Criminal record