Inside A Credit Report

Identifying Information:

Your name, current and previous addresses, phone number, social security number, date of birth, and current and previous employers.

Public Records:

Bankruptcies, tax liens, monetary judgements, debts in collection and in some states, overdue child support.

Credit Information:

Details about open and closed accounts, such as opening date, credit limit or loan amount, balance due, monthly payments and payment history.

Inquiries:

Names of those who obtained information from the credit report over the past two years, including consumers who request a copy of their own report directly from the credit report agencies.

Dispute instructions and your rights:

Information on your consumer rights, including instructions for disputing any inaccurate or outdated information in your report.

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