three major Credit Bureaus have their own criteria
on how to read your credit report. But they all
share the same information. In the past years they
made their credit reports clearer so people can
understand it easily.
Name, Address, Date of Birth, Social Security number
and spouse's name.
Credit and Payment History
Listing of companies that have loaned you money in
the past, along with the account numbers, size of
your credit lines, dates the lines were opened,
dates you last used the credit lines, lines'
repayment terms, amounts you presently owe, status
of your payments and number of months your payments
are past due.
Those assigned to collect overdue debts, including
original creditor's name, which collection agency
oversaw which account, the amount it tried to
collect and whether you paid.
Federal, state or local courts showing liens,
bankruptcy filings or other judgments.
Additional History Information
Former addresses, employers, etc.
Listing of inquiries made by potential credit
grantors like credit card companies.
Click to read
through our Credit Card FAQ, for a detailed
break-down of each topic, as they appear on your