Personal Information
A credit report's personal information section includes your:
- Name
- Current and previous addresses
- Social Security number
- Telephone number
- Date of birth
- Current and previous employers
A credit report does NOT include information regarding:
- Race
- Gender
- Religion
- Sexual orientation
- National origin
- Medical history
- Checking or savings accounts
- Credit score
Credit History
A credit report's credit history section includes a listing of all the credit accounts you have had in the last ten years. Types of credit accounts include:
- Retail credit cards
- Bank loans
- Finance company loans
- Mortgages
- Bank credit cards
The credit history section shows creditors how well you have kept your financial promises. Each entry in this section includes:
- Account number
- Creditor's name
- Amount borrowed
- Amount owed
- Credit limit
- Dates when the account was opened, updated, or closed
- Timeliness of payments
- Late payments (these are noted as a negative activity)
Public Records
A credit report's public records section includes:
- Tax liens
- Bankruptcies
- Court judgments (including child support judgments)
Any negative activity in this section reflects poorly on your creditworthiness. Even if an item has been paid in full, the presence of even a one-time occurrence indicates a potential future concern for creditors.
Inquiries
A credit report's inquiries section includes a listing of all parties who have requested a copy of your credit report. Your rights to privacy are protected by the Fair Credit Reporting Act (FCRA), and therefore only inquiries from those entities with a permissible purpose are granted access to your report.
Inquiries that do not appear on the business version of your credit report are promotional inquiries or account management inquiries. Both promotional and account management inquiries are not counted as official inquiries.
Promotional Inquiries
Vendors query our database based on a set of parameters and receive mailing address information for individuals matching their criteria. These vendors are not viewing your report. They just want to give people who meet their parameters a firm offer of credit or insurance.
Account Management Inquiries
Credit grantors who have permission to review the credit reports of their accountholders may do so on a periodic basis. These are not counted as official inquiries.
CREDIT SCORE INFORMATION
