A credit report is a document regarding you and your financial transactions as they apply to your ability to borrow and pay money back on time. Every time you seek a loan or credit card, the lender will get a copy of your credit report from Equifax, Experian or TransUnion.
Every credit report includes your full name, your current address and any past addresses. If your employer name is available, this is also noted.
Credit reports also include your Social Security number and birth date. When available, a telephone number is also noted.
Every time you apply for credit, it is noted as an inquiry on your credit report. The document shows how many times you have applied for credit.
Every credit card or loan company to which you owe money is reflected on your credit report. It also notes whether you make your payments on time or pay 30 days or more late, and it also shows the year each account was started.
If you have accounts in collections, such as old credit cards, medical bills and utility bills, this information is included in your credit report. It also notes the year the original debt was incurred.
Stephanie Mojica has been a journalist since 1997 and currently works as a full-time reporter at the daily newspaper "The Advocate-Messenger" in Kentucky. Her articles have also appeared in newspapers such as "The Philadelphia Inquirer" and "The Virginian-Pilot," as well as several online publications. She holds a bachelor's degree from Athabasca University.