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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. 
  • 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.