What's in Your Credit Report
Your Credit Report shows a history of your use and management of credit and it is made up of several sections of information including the following:
Identifying Data
This section of your credit report includes identifying information such as name (including nicknames and sir names), current and previous addresses, date of birth, current and previous employers, social security number, and phone number.
Credit History
This is the main section of the credit report and is comprised of payment history and contains information about all of the credit accounts and loans that are being reported to the credit bureaus. Information that is typically contained in this section includes:
- Name of Creditor and account or loan number associated with that creditor
- Type of account
- Date the account was opened
- Credit limit or loan amount
- Current balance on the account or loan
- Minimum payment required
- Your account payment history
- Date information was last reported to the credit bureaus
- Length of time the information has been reported
- Other information that is of importance on the account
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Inquiries
This section provides information about creditors and others who have reviewed your credit file. A creditor might review your credit to decide whether to make you a firm offer of credit. An insurance company may review your file to make you a firm offer on insurance. An existing creditor may review your credit to help them decide if they will change your terms of credit or increase your credit limit.
Public record Information
This section contains information about issues with your credit that are public record such as bankruptcies, foreclosures, judgments, tax liens, etc…
An important thing to understand about the credit world is that there are three national credit bureaus comprised of Experian, TransUnion, and Equifax. All three credit bureau report's are similar,but they do have some differences. When you are reviewing your credit report, don't be surprised if you see some differences within the three bureaus reports. The good news is that all three credit bureaus have recently made their reports friendlier to consumers because of recent legislation.