What Information Is Contained in a Credit Report?


Quick Answer

A credit report contains identifying data, information about the consumer's credit, public records information and information regarding credit inquiries from others, notes the Board of Governors of the Federal Reserve. Credit information about consumers is compiled by three major credit reporting bureaus in the United States, including TransUnion, Experian and Equifax. This information is then made available to consumer lending agents, such as banks and credit card companies, to use in making credit decisions when a consumer applies for credit.

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Full Answer

A credit report contains information about the identity of the consumer, reports the Federal Reserve. This includes the consumer's name, address, Social Security number, employment information and birthday. The report lists details of accounts, including car loans, bank loans and mortgage loans that the consumer has been approved for in the past and notates the payment status and history of each; for example, the report shows if the consumer paid on time or was ever late in making payments.

The credit report also contains information about judgments or tax liens against the consumer, according to the Federal Reserve. Bankruptcies are also included. Finally, it list any inquiries that creditors and others have made about the consumer, either because the consumer tried to get a loan or was approved for a line of credit.

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