Control Your Credit, Protect Your Future
- Credit Reports
- What is a Credit Report?
- What is a 3 in 1 Credit Report?
- Checking your Credit Report
- Credit Report Errors
- What is a Credit Bureau?
- What types of Credit Reports are there?
- Who can access my Credit Report?
- What info is on a Credit Report?
- Do all bureaus have the same information?
- Credit Report Glossary
- Credit Scores
- What is a Credit Score?
- Average Credit Scores by State
- How to improve my credit score?
- What affects my credit score?
- How do I get my credit score?
Credit Reports
What information is on a credit report?
A credit report contains a list of all your credit activities, including your credit accounts, outstanding loans, credit card balances, and bill paying history, as well as some personal information. Most of the information on your credit report comes from the businesses you have outstanding loans or accounts with, including banks, mortgage companies,and credit card companies. Lenders usually report your credit information - good or bad - to credit bureaus.
Credit Report Information
More specifically, there are four main categories of information in your credit report.
1. Personal information
Your credit report contains personal information about you, including:
- Your name
- Your social security number
- Your date of birth
- Your phone number
- Your current employer and previous employers
- Your current address and previous addresses
2. Credit history
Your credit report includes your history of bill paying to lenders such as
- Banks
- Retail stores
- Finance companies
- Mortgage companies
3. Credit Report Inquiries
Your credit report lists the credit grantors and lenders that have requested to see your credit report. Requests to see your credit report from potential lenders are referred to as "hard inquiries," while your own requests to see your credit report are called "soft inquiries." The general rule is the fewer hard inquiries on your credit report, the better your credit score. Soft credit report inquiries do not affect your credit score; therefore, you can check your credit report as often as you'd like.
4. Public records
Any item that may affect your credit will be listed on your credit report. These items include
- Bankruptcies
- Tax liens
- Court judgments
For more information on how to check your credit report, or how to instantly get your 3 in 1 credit report, FREE credit score, and identity theft insurance, go to www.CreditReport.com now!
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