FAQ > Consumer Protection FAQs > What information is in a credit report?
Frequently Asked Questions
What information is in a credit report?
Your credit report contains the following information:
- 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.
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