Your credit report contains a large volume of information. Looking at it closely, you’ll see the information is grouped into five sections.
Credit reports often contain the following information:
The report lists your name and any name you may have used in the past in connection with a credit account, including nicknames; current and former addresses; birth date; Social Security number; and phone numbers. 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.
- Your name and any other names you have used in the past.
- Current and previous addresses
- Social Security number
- Telephone number
- Date of birth
- Current and previous employers
The report lists current and historical credit accounts, including the type of account (mortgage, installment, revolving, etc.), the credit limit or amount, account balance, account payment history, the date the account was opened and closed, and the name of the creditor and other information. Review this information carefully to be sure nothing is incorrect.
Your history of paying bills as reported by credit grantors or public agencies:
- Retail stores
- Finance companies
- Mortgage companies
- State and Federal Courts
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.
- 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.
Your credit report does not contain information about
- Political party affiliation
- Medical history
- Criminal record