What is in your credit report?

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FICO credit score report.

What is in your credit report? Although each credit reporting agent formats and reports this information differently, all credit reports basically contain the same information category. Your social security number, date of birth and job information are used to identify you. These factors are not used in credit assessments. Updates to this information come from information that you provide to lenders.

Identifying Information.

Your name, address, Social Security number, date of birth and work information are used to identify you. These

factors are not used in credit assessments. Updates to this information come from information that you provide to lenders.

Trade Path.

This is your credit account. Lenders report on each account that you have made with them. They report the type of account (credit card, automatic loan, mortgage, etc.), the date you open an account, credit limit or loan amount, account balance, and your payment history.

Credit Question.

When you make a loan proposal, you can authorize your lender to request a copy of your credit report. This is how questions arise on your credit report. The question section lists all of the people who accessed your credit report in the past two years. The reports you see include "voluntary" questions, driven by your own credit requests, and "involuntary" questions, such as when lenders order your report so that you offer a pre-approved loan offer in the mail.

Public Records and Collections.

Credit reporting agencies also collect public record information from state and county courts, and information about debts pending from collection agencies. Information on public records includes bankruptcy and civil lawsuits.

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