What are Credit Reports?

Credit reports are documents that go over your credit history. There is a lot of information that can be found on your credit report. This article will go over the many things one can find on their credit reports.

Personal Information

There is a lot of personal information on your credit report. Your full name, social security number, names you have previously used, and your current and previous address can all be found on your credit report. There is also information about your spouse and employers.

Credit Information

Credit reports also have all of your credit information on them. This information includes any balances you owe on credit cards or loans. It also has your payment history stating how much you paid for each bill you owe within the past two years. Another piece of important information it has is the balances you owe each lender.

Other Information

Credit reports also contain other information such as if you have filed for bankruptcy or names of people who have requested your credit report. All of this information is confidential and can only be seen by a few people. Any lender you wish to borrow money for, employers, and government agencies are some of the few people who have access to your credit report besides yourself.