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What information does the credit report contain?

Personal information:

Name
Alias Names
Address
Past Addresses
Social Security Number
Date of Birth
Drivers License
Phone Number
Employer
Past Employers
Past Phone Numbers
Spouse's Name
Home Owner
Geo Code

This information gets added by each member company that sends in tapes, or even pulls credit reports. The CRAs system collects new data all of the time.

Public Records:

Bankrupty
* File Date
* Status Date
* Docket Number
* Assets
* Liabilities
* Status

Judgments
* File Date
* Status Date
* Docket Number
* Balance
* Name of Plantiff
* Status

Tax Liens
* File Date
* Status Date
* Docket Number
* Balance
* Name of Plantiff
* Status

This information is collected by independent sources that collect and resell to credit reporting agencies as well as other types of businesses.

Credit Information:

Creditor Accounts:
* Name of Creditor
* Account number (soon to be truncated, not to show entire account numbers).
* Open Date
* Reported Date
* Last Activity Date
* Status Date
* ECOA Codes (showing if individual, joint, co-signer, or authorized user accounts)
* Type of Account (Revolving, Installment, Auto, Education, Collection... )
* High Credit
* High Balance
* Current Balance
* Past Due Amount
* Terms (like if an installment loan is 360 payments @ $200 per month, or open account with minimum payment of $50 per month).
* Status of Account (as agreed, current was 30 days late, collection, charge off, closed, inactive, open.. )
* Lates (will give the date and what the delinquency was for that time)
* Notes (like account closed by subscriber or consumer, account included in wage earner plan, subscriber can no locate... )

Collection Accounts:

* Same as above fields, but in addition:
* Original Creditors Name (if medical only consumer reports will show the name).
* Assign Date, when the delinquency should be formulated from on the reporting times).

Inquiries:

* Name of Company
* Date of Inquiry
* Type of Company
* Purpose for accessing

** Last 2 are not always provided

List of Companies having accessed credit reports for permissible purpose, meaning that you had given them verbal or written authorization... or if you owed on a debt (they can pull w/out authorization because of balance owing). These stay on credit report for 2 years, but only affect the scoring for 1 year. These are called hard inquiries.

List of companies having received your name & address for solicitation purposes, they have not actually viewed your credit report so will not show up on the creditors side unless you complete application for credit. These are soft inquiries and include all pulls you have done on yourself, will stay on credit report for 2 years.