Credit Report Information

A consumer credit report contains four types of information: identifying information, credit information, public record information, and inquiries.

Identifying information

Your name
Your current and previous addresses
Your Social Security number
Your year of birth
Your current and previous employers
Your spouse's name (if married)

Credit information

Credit accounts or loans you have.

Banks
Retailers
Credit card issuers
Other lenders

Public record information

Any information that is contained in state and county court records.

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.