What’s included in my Credit Report?
Usually before people buy Credit monitoring services they question about what they will find in their credit reports. A typical credit report consists of details regarding your financial behavior and information about your credit accounts. The report is very easy to understand and is extremely consumer friendly. The report is also known as credit history and credit file. If you had a copy of your credit report, you would be better able to understand the different requirements lenders, landlords and financial institutes would want to see in your credit history.
You will find four things in your typical credit report:
Firstly and foremost you will find all kinds of your personal information in the report from name, current address, telephone number, date of birth, employment history and social security number. The taxes that you have missed in past 15 years are also shown. Other information included are the account details such as account opening date, credit and loan limit, monthly payments and payment patterns.
You will even get all the details on who has seen your credit information in the past seven years. Often credit grantors ask for permission to view your credit report, if you give them permission they will be able to view your credit report with out your permission next time. However, whenever an inquiry is made, it will appear on your credit report.
Your credit report will not provide any information about your race, religion, personal lifestyle, friends, political references, criminal record and any other kinds of information not related to credit.
