What's in your credit report?

Your credit report contains personal information, credit account history, credit inquiries and public records. This information is reported by your lenders and creditors to the credit bureaus. Much of it is used to calculate your FICO® Scores to inform future lenders about your creditworthiness.

Although each of the credit bureaus—Experian, Equifax and TransUnion—format and report your information differently, all credit reports contain basically the same categories of information.
These four categories are: identifying information, credit accounts, credit inquiries and public records.

4 Categories of information in a credit report:

  • Personally Identifiable Information (PII)
    Your name, address, Social Security number, date of birth and employment information are used to identify you. Your PII is not used to calculate your FICO Scores. Updates to this information come from information you supply to lenders when you apply for new credit.

  • Credit Accounts
    Lenders report on each account you have established with them. They report the type of account (credit card, auto loan, mortgage, etc.), the date you opened the account, your credit limit or loan amount, the account balance and your payment history, including whether or not you have made your payments on time.

This information makes up the majority of your FICO Scores calculation—so it's important to keep your accounts in good standing. Check out this breakdown of how a FICO Score is calculated.

  • Credit Inquiries
    When you apply for a loan, you authorize the lender to ask for a copy of your credit report. This is how inquiries appear on your credit report.

The inquiries section contains a list of everyone who accessed your credit report within the last two years. The report you see lists both "hard" inquiries, spurred by your requests for credit, and "soft" inquiries, such as when lenders order your report to send you a pre-approved credit offer in the mail. Lenders can only see the "hard" inquiries on your credit report. "Soft" inquiries are only visible to you.

"Soft" inquiries have no effect on your FICO Scores, while multiple "hard" inquiries can be an indication of higher risk—and may cause your score to dip. Learn more about the affect inquiries can have on your score.

  • Public Record and Collections
    Credit bureaus also collect public record information from state and county courts, including bankruptcies. Debt that is overdue and has been sent to collections also appears on your credit report.

Keep in mind, even if a debt collection appears on your credit report, it's not the end of the world. While there are no quick fixes to repairing your credit, there are proven things you can do to help improve your FICO Scores.

Remember, you should always verify that the information on your credit report is correct, so your lenders see the most accurate FICO Scores when you apply for credit. If you find an error on your report, you should report it to the appropriate credit bureau. You can also see the contact information for Experian, Equifax and TransUnion here.


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