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.