What kind of information does a credit report contain?
Your Experian credit report contains four types of
information: identifying information, credit information, public record
information, and inquiries.
Identifying information includes:
- Your name
- Your current and previous
addresses
- Your Social Security number
- Your year of birth
- Your current and previous
employers
- If you're married, your
spouse's name
Credit information includes credit accounts or loans you have with:
- Banks
- Retailers
- Credit card issuers
- Other lenders
Public record information includes any information that's contained
in state and county court records, like:
- Bankruptcies
- Tax liens
- Monetary judgments
Inquiries indicate to other credit grantors that you
have applied for new credit, which could result in additional debt. Potential
lenders may view multiple recent inquiries on your credit report as a sign you
may be overextending yourself.
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