What information is included in a credit report?

@tavares 

A credit report typically includes the following information about an individual:

1. Personal information: Full name, date of birth, Social Security number, current and previous addresses, and employment history.
2. Credit accounts: Details of all credit accounts held by the individual, such as credit cards, loans, mortgages, and lines of credit. It includes the name of the creditor, type of account (revolving or installment), account number, date opened, credit limit or loan amount, balance owed, payment history, and any late payments or delinquencies.
3. Public records: Information on bankruptcies, tax liens, judgments, and other legal matters related to the individual's financial history.
4. Inquiries: A list of companies or individuals who have requested the individual's credit report within a certain period, such as lenders, credit card issuers, landlords, or employers. It includes both hard inquiries (initiated by the individual for credit applications) and soft inquiries (initiated by companies for marketing purposes).
5. Collections: Information about accounts that have been sent to collections due to non-payment.
6. Closed accounts: Details about closed credit accounts, including the date closed, the status of the account when it was closed, and payment history.
7. Credit score: While not technically part of the credit report itself, many credit reports also include a credit score. This three-digit number is typically based on the information in the credit report and represents the individual's creditworthiness.

It's important to note that the specific information included in a credit report may vary slightly between different credit reporting agencies and countries.

@tavares 

Additionally, credit reports may also include information such as:

• Credit utilization ratio: This is the ratio of the individual's credit card balances to their credit limits, which gives an indication of their credit management and how much of their available credit they are using.
• Credit inquiries: Specific details about each credit inquiry, including the date it was made and the purpose of the inquiry.
• Public records: Any public records related to financial matters, such as bankruptcies, tax liens, judgments, and foreclosures.
• Account status: Information about the current status of each account, such as whether it is open, closed, in good standing, or past due.
• Payment history: The individual's payment history on each account, including any late or missed payments and the number of days overdue.
• Credit account types: Information about the types of credit the individual holds, such as credit cards, mortgages, auto loans, student loans, and personal loans.
• Account ownership: Whether the individual is the primary account holder, an authorized user, or a joint account holder.
• Other identifying information: Other data points used to verify the individual's identity, such as their phone number, previous addresses, and employment information.

It's important to regularly review your credit report to ensure its accuracy and to identify any potential errors or fraudulent activity.