What’s In Your Credit Report?

There are four types of information in your credit report namely, personal information, account information, public record information and inquiries.

Personal Information includes:

Your full name including any known aliases
Social security number
Year and date of birth
Residential address you had used while requesting for the report
Current and past information about your employers
And similar information about your spouse if both of you have joint accounts.

    The account information includes:

    Account name and number
    Date opened and closed
    Monthly payment history
    Available credit limit
    Monthly payment amount

      Given below is a list of accounts that normally appear on your credit report:

      Home loans
      Credit cards, store cards, gas company cards
      Bank loans
      Auto loans
      Student loans
      Credit union cards and loans

        Public record information includes:

        Court judgments
        Bankruptcy filings
        Federal, state and county liens, including tax liens and monetary judgments
        In some states overdue child support payments

          Unlike account information, public record information does not include account number, credit limit or payment record.

          Inquiries information
          Inquiries list the names of those who have seen your credit report with in the past one year (in cases of inquiries initiated by employers it is two years.)

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