What Does a Credit Report Contain?

Credit reports outline credit inquiries and details of accounts that have been forwarded to credit agencies. They typically contain the following information:

I. Personal data
● Your current and previous names (Including nicknames).
● Your current and prior addresses.
● Date of Birth
● Phone numbers
● Social security numbers

II. Credit accounts
● Current and previous credit accounts
● Credit limit
● Name of the creditor
● Account balance
● Account payment history
● The date that the account was opened and closed

III. Public records
● Liens
● Bankruptcies
● Civil suits and judgments
● Information on overdue child support (If provided by a child support agency or state and verified)

IV. Credit companies that inquired about your credit report
V. Collection items

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