What Is a Credit Report?

Your credit reports are a compilation of your credit history, including accounts that are open and closed, personal information and employer information.

Different credit bureaus compile credit reports, though the reports may be different depending on what information has been provided to the bureaus. Sometimes, information that has been shared with one credit bureau has not been provided to another one. Therefore, it’s important to monitor reports from each bureau

“Just like you can have varying credit scores, your reports can vary.”

What Is Included in Your Credit Reports?

There’s a lot of important information in your credit report. Everything from your personal information and your credit accounts to your public records can be found here. Personal Information Your personal information is shown in your credit reports, including your name, your current and previous addresses, your social security number and your employer information.

• Legal name

• Current and previous addresses

• Date of birth

• Social security number

• Employer information

• Listed phone numbers

Credit Accounts

Credit reports also include information about your accounts such as credit cards, auto loans, student loans and mortgages. They also include information like late payments, collections and timelines associated with these accounts.

• Current and former credit cards

• Auto loans

• Student loans

• Mortgages

• Credit limits and amounts

• Account balances

• Account payment histories

• Open and close dates of accounts

• Names of all creditors

• Collection items and accounts

Public Records

Your credit reports also contains a list of businesses that have pulled your credit. This includes instances when you applied for a new credit account or when a business pulled your credit for promotional purposes. Public records are also included.

• Credit inquiries

• Liens

• Foreclosures

• Bankruptcies

• Civil suits and judgements

• Child support payments