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What information is contained on your credit report:

Date: Mon, 04/25/2005 - 15:54
Submitted by Pammila on Mon, 04/25/2005 - 15:54
Posts: 112
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What information does the credit report contain?

Personal information:
[list=1]
  • 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.


    • Are bank accounts (like personal checking accounts) on there?


    Submitted by on Thu, 05/05/2005 - 08:58

    ( Posts: 202330 | Credits: )


    [quote=Mike]Really very precise information on credit report.
    This can potentially help a lot of people.
    Does it harm in any way if Quote:

    Type of Company
    and Purpose for accessing
    are not mentioned?
    Please clarify.
    Mike[/quote]

    Hello,

    Not all formats of credit reports out there will give name and purpose for accessing, but if you order direct from the credit bureau and not a reseller, them reports should contain that information.

    If it does not, you can use the report number and phone number to call in customer service at the credit reporting agency and ask the rep to provide you with that information.


    Submitted by Pammila on Thu, 05/05/2005 - 15:36

    Pammila

    ( Posts: 112 | Credits: )


    [quote=Bill]Are bank accounts (like personal checking accounts) on there?[/quote]

    Checking accounts and Saving accounts are not listed on credit reports.

    If you write a bad check, or over draft then it will go into a seperate report with a check system. And that data is maintained for 5 years unlike the regular credit reporting agency which reports for 7 to 10 years on negative data.

    If you are denied opening a checking account due to negative information on a check system, then you will be notified just like regular reporting agencies of an address to write to, to obtain a free copy of your report and you can review and dispute just like you would a regular credit reporting agency.


    Submitted by Pammila on Thu, 05/05/2005 - 15:40

    Pammila

    ( Posts: 112 | Credits: )