Details of your history

The credit history section of the credit report is divided into twelve columns:

Credit history section of a credit report. For each lender, 12 columns of information are listed. Column 1 is company name. Column 2 is account number. Column 3 is labeled “whose account”. Column 4 is date opened. Column 4 is monthly review. Column 6 is date of last activity. Column 7 is high credit. Column 8 is terms.Column 9 is balance as of date reported. Column 10 is past due as of date reported. Column 11 is status as of date reported. Column 12 is date requested.

The first column shows the names of your lenders. In this example you see a car dealership, a credit card company, and a department store.

The second column shows your account numbers.

The third column shows who is responsible for payment. On most credit reports, you’ll see an “I” — meaning that an individual is responsible. Or you’ll see a “J” for joint — meaning that you and another person are responsible for paying.

The fourth column shows the month and year the account was opened.

Column 5 shows the number of months the payment history for this account has been reported.

In column 6, you’ll see the date that the last payment, change, or other activity was made in this account.

In column 7, you’ll see the highest amount that has been charged to this account, or the credit limit, if there is one.

Column 8 shows the amount of your monthly payments — if this is an installment loan.

And column 9 shows the amount you still owe as of the date of this report.

Column 10 shows any amount that is past due. This means money that you’re late in paying to your lender.

Column 11 is called Status. It contains a letter and a number. The letter describes what kind of account it is. “I” means installment. This means you make a loan payment every month for a certain period of months. “R” means revolving credit, such as a credit card. “O” means open. This means that the lender decides to give you credit and then bills you for what you borrow.

Column 12 shows the date on which the information for this account was last updated.

Column eleven in the sample above shows three codes: I4, R1, O1. Here is what those codes mean:

1 = account paid as agreed

2 = account 30 or more days past due

3 = account 60 or more days past due

4 = account 90 or more days past due

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