The Information Found in Credit Reports

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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

Credit Accounts

Your history of paying bills as reported by credit grantors or public agencies:

  • Retail stores
  • Banks
  • 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

  • Collection items: The report lists unpaid debts that have gone into collection.

Public Records

  • 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

  • Race
  • Religion
  • Political party affiliation
  • Medical history
  • Lifestyle
  • Background
  • Criminal record