Personal Information

  • Your name, address, date of birth, social security number and employment information

Account Information

  • Types of Accounts (i.e. bank cards, auto loans, mortgage, etc.)
  • Dates you opened these accounts
  • Your credit limits and/or loan amounts
  • Your account balances
  • Your payment history

Inquiries

  • When you apply for credit, you authorize your lender to ask for a copy of your credit report.
  • It contains a list of lenders who have looked at your credit report within the last two years.

Negative Items

  • Any payments you have missed
  • Overdue debt from collection agencies
  • Public record information from state and county courts (i.e. bankruptcies, foreclosures, tax liens, wage garnishments and legal suits or judgments.)

What is NOT in my credit report?

  • Your race, color, religion, national origin, gender and marital status
  • Your age
  • You salary, occupation, title, employer, date(s) of employment and/or employment history
  • Where you live
  • Any interest rate you are currently being charged on credit cards or other accounts
  • Items reported as child/family support obligations or rental agreements
  • Involuntary inquiries that occur when lenders order your report before sending you a pre-approved credit offer in the mail.

Why does my score vary among the three major credit reporting agencies?

  • FICO® scores range from 300 to 850.
  • Fair Isaac tries to make scores as consistent as possible between the three credit reporting agencies, but depending on your lender and which agency they report to, your information with each may be different. This can cause your scores to vary slightly. Most lenders report information to all three agencies.
  • Lenders can review your scores and credit report from any of the three credit reporting agencies, so it’s important to check all three for accuracy.