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What is a credit report?

A credit report is a compilation of your documented credit-related activities and generally includes the following types of information:

Identifying Information:

• Your full name (and any known aliases)
• Addresses (current and previous)
• Social security number
• Year of birth
• Employers (current and past)

Credit Information:

• Bank accounts
• Credit card accounts
• Retail accounts
• Utility Company accounts
• Lenders (usually listed by the type of loan – student loan, mortgage, and instalment loans – complete with the details of when you opened the account, your credit limit, any co-signers and your payment patterns over the past 12 – 24 months)

Public Record Information (from state and county files)

• Bankruptcy
• Tax liens
• Monetary judgments
• Arrests

Recent Inquiries:

This category includes the names of those who have obtained copies of your credit report within the past one to two years (e.g., usually potential lenders, employers).

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