What information is included in my credit report?

Your credit report includes a comprehensive record of your credit history. It contains personal information such as your name, address, Social Security number, and date of birth. Additionally, it includes details on your credit accounts, both open and closed, and their payment statuses. It lists your current and past loans, credit cards, mortgages, and other debts, as well as the dates they were opened, credit limits, and loan amounts. The report also shows your payment history, including any late payments or missed payments, and notes any accounts that have been sent to collections or charged off. Furthermore, it provides information on recent inquiries made by lenders when you apply for credit and any public records associated with your financial history, such as bankruptcies, foreclosures, or tax liens.