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Credit Reports • Credit Scores • Credit Bureaus

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The Anatomy of a Credit Report

Typically, the following information is included in a credit report: Personal information: This section will include your full name, current address and previous addresses, date of birth, social security number, employers (past and current), and, if relevant, the same information about your spouse too.

Credit history: This section will have a record of all the accounts you may have with banks, credit card companies, retailers and the like. The type of loan you took is also included — a student loan, a credit card loan or an installment loan, for instance. Also included is your repayment pattern for the two previous years. This will mean that a person who reads your report will know everything about your credit history. If you happened to take a loan from a bank and made late payments, your potential lender will probably know of it as well.

Public records: This section includes information on your tax liens, monetary judgments and bankruptcies if any.

Credit inquiries: This section provides information about those who received your credit report copies within the past year or two.

Dispute statements: In case you find that some information on your credit report is not correct you can file a complaint and put your side of the story in not more than a hundred words. This statement, called the dispute statement, then becomes a part of your credit report and can be seen by the user of the report.

How Credit Bureaus Gather Information

As mentioned earlier, there are about 1000 credit bureaus operating in the US. The largest three among them are TransUnion, Experian and Equifax. These companies gather information about each consumer who obtains credit from a lender. To illustrate, suppose you apply for a car loan from a bank. You would be required to provide the bank with information like your name, address, previous address, credit cards that you hold etc. The bank will then contact the credit bureau and check your credit report. In case your loan is approved, the bank will in turn keep the credit bureau updated about your repayment pattern. As such, all payments you make or do not make are reported to the credit bureau, which keeps updating information on your credit report. This is how your credit report keeps track of your credit history. Credit reports are thus a great resource for lenders who might want to inquire about you in future.

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