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Credit Info

Your credit information contains records about you that lenders often consider when making decisions about your creditworthiness. Whether you’ve known it or not, information about your credit activity has been collated and recorded by the credit bureaus for use in future credit decisions. When you know what your credit information contains – and how it should look – you can begin to see how your actions play a role in your credit information.

What Types of Information are Included?

  • Identifying Information: your full name and any variations you’ve used, current and past addresses, your Social Security number, employer information, and (if applicable) your spouse’s name
  • Public Records: including bankruptcies, tax liens, and civil judgments
  • Debts and Payment History: debts you currently owe, such as mortgages, credit cards, and auto loans, and your payment history for those accounts
  • Recent Inquiries: a list of anyone who has recently inquired about your credit history

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