How to read your credit report

An example credit report

Your credit report will contain this information:

Information about you — Lists your name, current and previous address, Social Security number, date of birth, and other information to identify you.

Public Record Information — In this area, you’ll find any information that is listed about you in the records of local, state, or federal courts.

Collection agency account information — If you you fail to pay back one of your creditors, they may hire a collection agency to contact you. This is a company that specializes in collecting money to pay off debts.

Your credit history — This is a list of all the places where you have credit — or used to have credit. These are called your accounts.

Inquiries — This is a list of the companies that have requested a copy of your credit report for their review.

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