INFORMATION IN YOUR FICO CREDIT REPORT
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| Credit bureaus collect information for your FICO credit report from parties that have previously extended credit to you, such as a department
store that issued you a credit card or a bank that granted you a personal loan.
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There are usually four types of information in your FICO
credit report:
1. Identifying Information: Your full name, any known aliases, current and previous addresses, social security
number, year of birth, current and past employers, and, if applicable, similar information about your
spouse.
2. Credit Information: The accounts you have with banks, retailers, credit-card issuers, utility companies,
and other lenders (accounts are listed by type of loan, such as mortgage, student loan, revolving credit, or
installment loan; the date you opened the account; your credit limit or the loan amount; any co-signers of
the loan; and your payment pattern over the past two years).
3. Public Record Information: State and county court records on bankruptcy, tax liens, or monetary judgments
(some consumer reporting agencies list non-monetary judgments as well).
4. Recent Inquiries: The names of those who have obtained copies of your credit report within the past year
(two years for employment purposes).
Think about how often your mail has a misspelling of your name or a mistake in your street address. Then,
imagine the possibility for error in a report that contains much more information about you. Cases of mistaken
identity, out-of-date information, and outright errors can easily occur.
You are entitled to receive one free FICO credit report every 12 months from each of the nationwide consumer credit
reporting companies – Equifax, Experian and TransUnion. This free credit file can be requested through www. annualcreditreport.com or by contacting the companies directly by phone or by mail as listed below.
You can also get a your FICO credit report if you are denied
credit or at any time you want if you pay a small fee.
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