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A credit report is a detailed record of your credit history. Your credit report is maintained by companies called credit reporting. Creditors and lenders use your credit report back to confirm your risk as a borrower.

Some personal distinguishing info like your name, current and previous address, and current and previous employers seem on your credit report. Your credit report includes data about your credit accounts together with credit cards and loans. each account is elaborated with the account payment history, credit card or loan balance, credit limit or original loan amount, type of account, date the account was opened, and whether the account has been delinquent. Accounts that have been sent to a set are typically, however invariably enclosed on your credit report. Public records such as bankruptcies, tax liens, proceeding, and causa judgments appear on your credit report. Finally, your credit score includes inquiries that are placed after you make an application for credit.

Not everything regarding you'll be found on your credit report. Your race, legal status, religious beliefs, political affiliation, savings or bank account information, and arrest records aren't on your credit report. Old, delinquent information should not appear on your credit report. This includes late payments that are over seven years recent and bankruptcies older than ten years. Your credit score, whereas supported info in your credit report, is not enclosed on your credit report. It must be purchased one by one.