DOCTORS SOMETIMES USE X-rays to get a better picture of what’s
happening with their patients. Similarly, a credit report provides details
about your financial life.
Credit reports cover information such as past home addresses;
employment history; credit history, including a list of all late payments;
and public-record information, such as bankruptcies, court judgments and
a list of all inquiries into your file. Because it is often the key component on
which another vital record, your credit score, is determined, it is important
to make sure the information on your credit report is correct.
Your personal information, including
your name and address, Social
Security number, date of birth and
Sample Credit Report
Name: John Doe
Current Address: 1111 Any Street, Any City, Any State
Previous Address: 2222 Any Street, Any City, Any State
Current Employer: Any Employer
Any personal statement you added to
your report will appear here.
I did not make this purchase on this credit card for $500.00 on 1/1/06.
List of payment history by five types
• Real estate: Primary and secondary
• Revolving: Open terms with varying
payments such as credit cards
• Installment: Fixed terms with regular
payments such as car loans
• Other: Accounts of unknown
category such as a 30-day American
• Collection: Seriously past-due
Real Estate 1
Revolving Acct. 1
Detailed information regarding all
credit accounts in your name.
CREDIT ACCOUNT HISTORY
Legal matters that affect your
credit, such as judgments against you,
civil actions, state or federal tax liens
Lists the date and name of all
parties who have made inquiries into
your credit history.
Chapter 7 Filed
Creditor Date of Inquiry
Any Bank 01/01/06