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What is Actually in a Credit Report?

You could look yourself: is the only source that provides truly free credit reports, once every 12 months, without asking for your credit card information, enrolling you in a "free trial" for some paid service, or pushing you to pay for various extras. And here's what you will find:

  • Identifying information: Includes your name, your Social Security number, your date of birth, current and previous addresses, and telephone number.
  • Employment information: Includes your current and past employers and dates of employment.
  • Credit account information: A record of every credit account you have ever had — credit cards, bank loans, auto loans, mortgages, etc. You can find current credit accounts as well as old accounts you have closed or let lapse. Also shown is your total available credit with each account as well as your current account balance.
  • Payment history: Shows your payment history for the past 48 months and whether you have kept current on your payments. If you were late making payments on any of your listed accounts, the payment history shows whether you were 30, 60, or 90 or more days late.
  • Credit inquiries: Contains a list of everyone who accessed your credit report in the past two years, including requests you initiated by applying for credit and requests other lenders initiated, such as when creditors check your credit report before sending you a pre-approved credit offer.
  • Public record and collection items: Lists information from the public record that has bearing on your financial fitness, such as bankruptcies, foreclosures, lawsuits, liens, and judgments. It also includes records of overdue debt from collections agencies.

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