Details about your financial behavior and identification information about you are contained in your personal Credit Report. This consumer-friendly report is sometimes called a credit file or a credit history. Obtaining a copy of your Credit Report makes it easy for you to understand the information a lender, financial institution, potential employers, landlord, etc., would be seeing if they review your credit history. Typical consumer Credit Reports include four types of information:
- Personal information can include your name, current and previous addresses, telephone number, reported variations of your Social Security number, date of birth and current and previous employers.
- Public record information in some states may also include overdue child support. Bankruptcy information can remain on your Credit Report up to 10 years; unpaid tax liens can remain for up to 15 years; other public record information can remain up to seven years.
- Credit information includes specific account information, such as the date opened, credit limit or loan amount, balance and monthly payment and payment pattern. The report also states whether anyone besides you (a joint account holder or cosigner, for example) is responsible for paying the account. Active positive credit information may remain on your report indefinitely, while most negative information remains up to seven years.
- Requests by others to view your credit history will show you who has received information from your Credit Report and who was given your name during the recent past, as allowed by law. According to the Fair Credit Reporting Act, credit grantors with a permissible purpose may inquire about your credit information without your prior consent. This section includes the date of the inquiry and how long the inquiry will remain on your report.
On your personal Credit Report ordered directly from NationalCreditReport.com™, information about those companies, individuals and institutions who inquired about your credit history and Credit Score for the purposes of extending a pre-approved credit offer are included in your report. These inquiries are not revealed to creditors and do not impact your ability to obtain credit.
Your Credit Report does not contain data about race, religious preference, medical history, personal lifestyle, political preference, friends, criminal record or any other information unrelated to credit.
