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1. Personal Information
Check to see that your name, current
address, and date of birth are correct.
2. Report Number
Refer to this number when making inquiries.
3. Report Summary
Sums up current credit accounts and balances, and notes delinquent or overdue amounts.
4. Account Type
Shows the type of account (Credit Line, Installment, Mortgage, Open, Revolving).
5. Number of Accounts
Shows the total number of accounts reported for each type of account.
6. Reported Balance
Shows the total balance of all types of accounts.
7. Payment
Shows the sum of payments for each account type.
8. Current
Shows the total number of current accounts.
9. Closed
Shows the total number of accounts reported closed.
10. Credit Bureau
Indicates which of the three main credit reporting agencies (Equifax, Experian, TransUnion) reported the information.
11. Inquiries
Shows the total number of inquiries about your credit
that were reported. (Inquiries may be made by banks, department stores, employers, and landlords).
12. Derogatory Items
Shows the delinquent/derogatory information that has
been reported by the credit reporting agencies.
13. Public Records
Shows the number of matters of public record (court records of bankruptcies, tax liens, judgements or foreclosures, etc.) reported by the credit reporting
agency.
14. Collection Accounts
Shows the number of accounts turned over to a collection agent, as reported by the credit reporting agency.
15. Delinquencies
Shows the number of accounts that are currently delinquent or derogatory, or were previously delinquent
or derogatory.
16. Account Information
The creditor with whom you have or had an account
with, the account number, and type of account.
17. Tradeline Type
Explains who is responsible for the account and the type of participation you have with the account.
18. Date Open
When the account was opened.
19. High Limit
Your credit limit, or the most you have ever charged on the
account.
20. Monthly Payment
Your monthly payment for this account.
21. Account Balance
The balance you owe, as of the date the information was obtained.
22. Last Reported
The last date the account was updated by the creditor.
23. Account Status
Indicates whether the account is current or past
due.
24. Amount Past Due
Shows the total past due amount for all accounts.
25. Credit Bureau
Indicates which of the three main credit reporting
agencies (Equifax, Experian, TransUnion)
reported the information.
26. Days Past Due 30/60/90 Any balance that is past due will appear in the Past Due 30/60/90 amount columns. Past Due
30/60/90 indicates the number of times an account was overdue 30, 60 or 90 days within the past seven years.
27. History Date
Date at which current history begins.
28. 24 Month History
For chronological reference. Indicates whether the account was current or past due on a month-to-month basis over the last 24 months &151; including the date
shown under "History Date."
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