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:: What information is included in my credit report?

Your personal credit report contains:

Your name, current and previous addresses, phone number, Social Security number, date of birth and current and previous employers. Your spouse's name may appear on your version of the credit report, but it will not appear on the version that is provided to others. This information comes from your credit applications, so its accuracy depends on your filling out the forms clearly, completely and consistently each time you apply for credit.

Specific information about each account such as the date opened, credit limit or loan amount, balance, monthly payment and payment pattern during the past several years. This information comes from companies that do business with you.

Federal district bankruptcy records and state and county court records of tax liens and monetary judgments. This information comes from public records.

The names of those who have obtained a copy of your credit report. (On your copy of your credit report, addresses are included.) This information comes from the credit reporting agency.

Statements of dispute, which allow both consumers and creditors to report the factual history of an account. Statements of dispute can only be added after a consumer officially disputes the status of an account, the account has been reinvestigated, and the consumer and creditor cannot agree about the account status. Both the consumer's and creditor's statements of the account status will appear on the credit report.

Your credit report does not contain - and the credit bureaus do not collect - data about race, religious preference, personal lifestyle, political preference, medical history, friends, criminal record or any other information unrelated to credit.




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