| Learn what information is included on
your credit report.
The three major Credit Bureaus have their own
criteria on how to read your credit report. But they
all share the same information. In the past years
they made their credit reports clearer so people can
understand it easily. Items Include:
Basic Information
Name, Address, Date of Birth, Social Security number
and spouse's name.
Credit and Payment History
Listing of companies that have loaned you money in
the past, along with the account numbers, size of
your credit lines, dates the lines were opened,
dates you last used the credit lines, lines'
repayment terms, amounts you presently owe, status
of your payments and number of months your payments
are past due.
Collection Agencies
Those assigned to collect overdue debts, including
original creditor's name, which collection agency
oversaw which account, the amount it tried to
collect and whether you paid.
Courthouse Records
Federal, state or local courts showing liens,
bankruptcy filings or other judgments.
Additional History Information
Former addresses, employers, etc.
Inquiries
Listing of inquiries made by potential credit
grantors like credit card companies.
¬ Be sure to read through our
Credit Card FAQ
which explains how each category of information is
displayed on your credit report.
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Back to Credit 101 Index.
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