Credit Report Information
A consumer credit report contains four types of information: identifying information, credit information,
public record information, and inquiries.
Identifying information includes:
- Your name
- Your current and previous addresses
- Your Social Security number
- Your year of birth
- Your current and previous employers
- If you're married, your spouse's name
Credit information
Includes credit accounts or loans you have with:
- Banks
- Retailers
- Credit card issuers
- Other lenders
Public record information
Includes any information that is contained in state and county court records, like:
- Bankruptcies
- Tax liens
- Monetary judgments
Inquiries
Indicate to other credit grantors that you have applied for new credit that could result in additional debt.
Potential lenders view multiple recent inquiries on your credit report as a sign that you are overextending yourself.
