Credit Report

Your credit report contains personal information gathered from many sources on an ongoing basis. Companies that have extended you credit will provide information to the three major credit report agencies, which include Experian, TransUnion and Equifax. Lenders will use this information to make decisions based on their criteria.

Because your credit file changes constantly, it is important that you review your credit report regularly to check its accuracy.

What information is included in credit report?

• your name and any variations of your name
• your Social Security number
• your date of birth
• previous addresses
• current address
• employment data
• credit accounts and history
• public records (liens, bankruptcies, civil judgments, etc)
• inquiries

Credit Report would consist of 10 sections that are listed below. In this example we go over a tri-merged report where information from all three credit agencies is merged into one report, and all three scores are presented. For a detailed explanation of each Credit Report Section follow the links below:

Credit report sections

• Credit Report Header
• Score Models
• Public Records
• Open Accounts
• Closed Accounts
• Derogatory Accounts
• Inquiries
• Hawk Alert
• Creditors
• Source of Information

Credit Report Header >

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