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What's in Your Credit Report

Although each credit reporting agency formats and reports information differently, all credit reports contain basically the same categories of information.
Identifying information
Your name, address, Social Security number, date of birth, and employment information are used to identify you. These factors are not used in scoring. Updates to this information come from information you supply to lenders.
Credit accounts
Lenders report on each account you have established with them.
  • Type of account (credit card, auto loan, mortgage, etc.).
  • Date you opened the account.
  • Your credit limit or original loan amount.
  • Account balance. Even if you pay off your credit cards in full each month, your report may show a balance on those cards (generally the total balance of your last statement).
  • Your payment history. Late payments stay on your report for seven years.
  • Closed accounts.
Inquiries (requests for your credit report)
When you apply for a loan, you authorize your lender to obtain a copy of your credit report. This is how inquiries appear on your credit report. The inquiries section contains a list of everyone who accessed your credit report within the last two years.
The report you see lists both "voluntary" inquiries, spurred by your own requests for credit, and "involuntary" inquiries, such as when lenders order your report to offer you a pre-approved credit offer through the mail. Self-inquiries and involuntary inquiries are not factored into your credit score.
Public record and collection items
Credit reporting agencies also collect public record information from state and county courts, and information on debts from collection agencies. Public record information includes bankruptcies, foreclosures, suits, wage attachments, liens, and judgments. Bankruptcy information stays on your report for 10 years.

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Certain information provided by Fair Isaac Corporation, San Rafael, California.