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Credit Report Contents

Your Experian credit report contains four types of information: identifying information, credit information, public record information, and inquiries.

Identifying information

• Your name
• Your current and previous addresses
• Your Social Security number
• Your year of birth
• Your current and previous employers
• If you are married, the name of your spouse

Credit information

Credit accounts or loans you have with:

• Banks
• Retailers
• Credit card issuers
• Other lenders

Public record information

Information that is contained in state and county court records

• Bankruptcies
• Tax liens
• Monetary judgments

Inquiries

Indicates 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 over extending yourself.

Sample Credit Report