What exact information is included in a consumer credit report?
1. Personal identifying information, collected from the information the consumer provides when applying for credit. This typically includes name, date of birth, Social Security number, name of spouse (if married), current and previous addresses and current and previous employers. 2. Credit payments and history, as reported by the companies that extend the credit. This detailed information is about credit accounts—balance, credit limit or loan amount, monthly payment, with payment patterns noted for previous years. 3. Inquiries, provided by the credit-reporting agency. This includes the names of lenders or others who requested and received a copy of the consumer credit report, and remains on the record for as many as two years, which is a allowed by federal law. 4. Information from public records, which includes federal district bankruptcy records, tax liens and judgments, collections, and information from state and county court records. In some states, delinquent child support is also
