Credit Reports

Although each credit bureau organizes its reports differently, all credit reports contain the following information:

• Your name
• Current address (provided by creditors)
• Your social security number
• Creditor's name and contact information
• Account number
• Type of account (auto loan, credit card, student loan, etc.)
• Date account was opened
• Credit limit or loan amount
• Account balance
• Information detailing the status of the account (i.e. pays on time, past due, closed, etc.)
• Number and type of your inquiries
• Number and type of inquiries by others such as auto companies, credit cards, employers, and insurance companies
• Public record accounts such as collections, bankruptcies, liens, etc.

Credit reports do not provide information on:

• Age
• Race
• Religion
• Gender
• National origin
• Marital status
• Income
• Employment

The following links will provide examples of a credit report:

• Personal Report I (TransUnion)

• Personal Report II (Experian)

• Personal Report III (Equifax)

• Personal Report IV (Report with explanation)

• Commercial Report

In addition to the above information, your report includes a credit score generated by the credit bureau. For more information about credit scores, view the next section, Credit Scores.