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What is in a credit report?

There are four types of information in a credit report:

·        Identifying information:  name, current and previous addresses, Social Security number, year of birth, current and previous employers, and possibly your spouse’s name.

·        Credit information about each account:  date opened, credit limit, loan amount, balance, monthly payment, payment pattern during the past several years, and whether anyone else (spouse or co-signer) is responsible for paying on the account.

·        Public record information:  federal district bankruptcy records, tax liens, monetary judgments, and overdue child support in some states.

·        Inquiries:  the names of businesses that obtained a copy of your credit report for any reason.

 


Author: Margaret VanGinkel, vangin@iastate.edu

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Date last updated: 07/15/2002
Technical issues contact: jvohsman@iastate.edu


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