A credit report is a record of your personal credit history from the past 7-10 years, including:
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Personal information. Compiled from credit applications you've filled out, this information normally includes your name, current and recent addresses, Social Security Number, date of birth, and current and previous employers.
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Credit history. The bulk of your credit report consists of details about credit accounts that were opened in your name or that list you as an authorized user. Account details include the date the account was opened, credit limit or amount of the loan, payment terms, balance, and payment history.
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Credit report inquiries. Credit reporting agencies record an inquiry whenever your credit report is shown to another party, such as a lender, service provider, landlord, or insurer. Inquiries remain on your credit report for up to two years.
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Public records. Matters of public record obtained from government sources, such as courts of law (including liens, bankruptcies, and overdue child support) may appear on your credit report. Most public record information stays on your credit report for 7 years.
A credit report does not include information about your checking or savings accounts, bankruptcies more than 10 years old, charged-off or debts placed for collection that are more than seven years old, gender, ethnicity, religion, political affiliation, medical history, or criminal records.
