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Get 3 Free Credit Reports & 3 Free Credit Scores Credit ReportYour credit history is neatly summed up in what’s called a credit report. It includes the account history information you might expect, along with your employment and personal information (among other things). More than one credit report company or bureau keeps records on you as well. These include Equifax, Experian, and TransUnion. While they all record the same information, it’s important to note that they don’t share this information with each other.Credit Report AccessSeveral entities can access you credit report for a fee including an employer, insurance company, landlord, or lender.These entities use your credit report to find out what kind of credit risk you are. It helps them determine whether or not they will do business with you. This means they’re using the facts of your credit history in whole or part to influence some portion of your future. Entities may look at your credit report when you're applying for a job, loan, credit, or to rent an apartment. It’s All in the DetailsSo what exactly do these credit report bureaus record? Below you’ll see the type of information found on your credit report. This information is available to those that purchase your credit report.Credit HistoryThis primary section of your credit report lists all your accounts (sometimes even inactive/closed ones) and includes: credit limits, available credit, loan amounts, loan balance, payment history, and terms. Note that accounts in your name, as well as ones where you are an authorized user appear.InquiriesThis section lists those that have acquired your credit report through a transaction. Note that your personal inquires don’t appear here.Personal InformationHere you will find information gathered from filling out credit applications and includes: name, Social Security Number, current address, past addresses, birthday, and employment history.Public InformationThis section lists financial information taken from public records and may include bankruptcies, liens, and child support payments if overdue.Do They Record Everything?The quick answer to this is no. Understanding what they don’t record can be important. For example, it may come as a relief to know that after ten years, bankruptcies are removed from your credit report. Inactive/closed accounts can take up to eleven years to be removed, while resolved delinquent accounts or collection items are removed after seven years.The following are some other things that you won’t see on your credit report: • Checking account • Ethnic background • Gender • Marital status • Medical history • Political affiliation • Religious affiliation • Savings account |
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Credit services provided by TransUnion Interactive, Inc.
*Credit Adapter provides you with the tools you need to access and monitor your financial/credit information through the program's credit reporting and monitoring benefits. Credit Adapter and its benefit providers are not credit repair service providers and do not receive fees for such services, nor are they credit clinics, credit repair or credit services organizations or businesses, as defined by federal and state law.
*Credit Adapter provides you with the tools you need to access and monitor your financial/credit information through the program's credit reporting and monitoring benefits. Credit Adapter and its benefit providers are not credit repair service providers and do not receive fees for such services, nor are they credit clinics, credit repair or credit services organizations or businesses, as defined by federal and state law.