Frequently Asked Questions

Questions

Answers

• Personal information: name, address, Social Security number, date of birth and employment.
• Account information: type of credit account, date you opened the account, credit limit or loan amount, account balance and payment history.
• Inquiries: a list of lenders who have accessed your credit report. There are two kinds of inquiries:
  • Voluntary: driven by your own request for credit.
  • Involuntary: driven by lenders who may send you a preapproved credit offer in the mail.
• Negative items: delinquency reports made by your lender when you have missed a payment, overdue debt from collection agencies and public record information such as bankruptcies, foreclosures, tax liens, garnishments, lawsuits and judgments.

Tags: credit, consumer tips

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