A credit report includes your credit score, personal details, loan-specific information, and loan inquiry data. Your credit report contains the following information:
- Personal Information: It includes your name, address, Social Security number, and date of birth.
- Credit Account Information: It includes the types of accounts (a credit card, home loan, student loan, or auto loan, etc.), the loan opening amount, your credit limit, account balances, and your payment history.
- Inquiry Information: It includes two types of inquiries: "soft" and "hard."
- Bankruptcies: It contains information about bankruptcy public records and related details
- Collections Accounts: It includes past-due accounts that have been transferred to a collection agency.
NOTE: Your Credit Report excludes information on insurance providers, stocks, and bank accounts.
