What's in Your Credit Report
Here are some of the information that may be included in your credit report
- Personal Records – It contains your complete name, address, age, birth date, spouse’s name, social security information and even your employment records. So filling in accurate information every time you apply for a credit card would reveal how honest and credible you have been with these forms.
- Financial Data – All your previous Credit card transactions, bank records, loan accounts and all other significant transactions from previous financial activities are collected and put into a reference form.
- Open Access - This record data base includes all your tax documentations, financial statements and even bankruptcy filing.
- Evaluation - These are inquiries from various credit institutions who have acquired copies of your credit report and statements.
Note that mistakes on your credit report may have a negative impact on your credit score. It is your responsibility to ensure that your report is accurate and up-to-date. It is advisable that you review your report every 3-6 months.
Here's the good news, by law, you’re entitled to for free credit report from AnnualCreditReport.com once a year; keep in mind, though, that this free report only shows your credit history, not your FICO score.
Alternatively you can monitor your scores from 3 credit bureaus when you sign up with creditscore.com.