Do credit reports show personal information?
Your credit report contains personal information, credit account history, credit inquiries and public records. This information is reported by your lenders and creditors to the credit bureaus. Much of it is used to calculate your FICO® Scores to inform future lenders about your creditworthiness.
What information is included in your credit report?
The typical credit report will include personal identifying information: a list of credit accounts (including credit limit), type of account (credit card, mortgage, auto loan, etc.), and your payment history on those accounts.
What personal information would a credit report have listed about an individual?
The four basic elements of your credit report are as follows: Personal identifying information: This includes your name and aliases (other names you’ve used), date of birth, Social Security number, current and past home addresses, phone numbers and possibly current and past employers.
Do all credit reports show the same information?
Information provided to the credit bureaus: The credit bureaus may not receive all of the same information about your credit accounts. … If errors only appear on one bureau’s report, then your credit score from that report may differ from another that has no errors.
Does credit report show current balance?
As well as listing all of your past and current credit accounts, along with the dates they were opened and closed, credit reports also show lenders your payment history, the amount of every loan you’ve ever taken out, any past bankruptcies or foreclosures — and your current balances.
What are the three most common credit report errors?
These are the three most common errors related to personal information on credit reports:
- Wrong Address: 56%
- Misspelled Name: 33%
- Wrong Name: 17%
When they check your credit what do they see?
Though prospective employers don’t see your credit score in a credit check, they do see your open lines of credit (such as mortgages), outstanding balances, auto or student loans, foreclosures, late or missed payments, any bankruptcies and collection accounts.
What are three examples of personal information on a credit report?
Personal information: Your name, including any aliases or misspellings reported by creditors, birth date, Social Security number, current and past home addresses, phone numbers, and current and past employers.
Who tracks all of your credit information?
Three companies play a major role in consumer credit across the United States: Experian, TransUnion, and Equifax. These three major credit-reporting companies, also called credit reporting bureaus, track US consumer credit data that generates your credit score.