What is a credit report?

A credit report is a record of your credit history that includes information about:

• Your identity. Your name, address, full or partial Social Security number, date of birth, and possibly employment information.
• Your existing credit. Information about credit that you have, such as your credit card accounts, mortgages, car loans, and student loans. It may also include the terms of your credit, how much you owe your creditors, and your history of making payments.
• Your public record. Information about any court judgments against you, any tax liens against your property, or whether you have filed for bankruptcy.
• Inquiries about you. A list of companies or persons who recently requested a copy of your report.