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There are three main credit bureaus in the U.S. – Experian, Equifax, and TransUnion. The credit bureaus collect information provided by all of your creditors. We encourage all of our members to review their credit report on an annual basis and report any discrepancies immediately.
This section includes your name, current and previous addresses, Social Security number, telephone number, date of birth, and current and previous employers.
This section includes a listing of all the credit accounts you have had in the last 10 years. It also shows how you have managed financial obligations, such as retail credit cards, loans, mortgages, and Financial Institution/bank credit cards. Each entry in this section includes:
- Account number
- Creditor’s name
- Amount borrowed
- Amount owed
- Credit limit
- Dates when the account was opened, updated, or closed
- Timeliness of payments
- Late payments (noted as a negative activity)
Any liens, bankruptcies, and/or court judgments, including child support judgments, will be listed in this section.
Any party that has requested a copy of your credit report will be listed under “inquiries.” If you notice an inquiry for credit that you did not apply for, check to be sure credit wasn’t issued. If it was, contact the credit issuer right away. This could be a sign of identity theft. Other inquiries may be for promotional purposes or account management issues. These inquiries are not counted as official inquiries and do not go against your credit score.