What Information Does Your Credit Report Hold?

By Author: J.J. Yong
Total Articles: 962
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Each and every one of us has got financial ties with one thing or another. With that, it is important that you obtain a credit report to help you manage and keep check of all that goes on with your finances. What is a credit report? It is a record of all your financial activities and shows everything you need to know about your money relationships. Many of us today just apply for credit reports just because we're told to do so without actually knowing what information gets on it. Well, if you've been wondering and curious to know, then read on.

There are usually four types of information stated on your credit report. The first would be your basic personal information to show your identity such as your full name, any known aliases, home and office addresses, social security number, date of birth, marital status, current and past employers, and, if applicable, similar information about your spouse and children. It would also include contact details such as phone numbers, emails and if available, fax numbers as well.

Next would be your personal credit information. This would include all your banking accounts with ...
... whichever banks be it one or five, retailers, your credit card issuers, companies that provide your utility and loan information. Your lenders accounts would be listed based on the type of loan. In example; mortgage, student loan and installment loan. Aside from that, details such as the date of accounts, credit limits, loan amounts and any other money related issue would be listed.

Furthermore, your public record information would be noted down too. This would depend on your credit behavior. If you have filed for bankruptcy, failed to make payments, have had legal action taken against you and so on, it would be visible on your credit report.

Lastly, what also shows is the recent inquires made by others. The names or companies of whom you apply for loans from would have to view your credit report, each time it is viewed, it will show. This also applies for employment purposes as well. This type of information is only kept for a year, but employment views are kept for two, depending on the company you open your report with.
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