Ultimate Credit Report Cheat Sheet

Need help understanding your credit report? This comprehensive guide from Credit.com can help. While your credit report won’t look exactly like this one, it will likely include information similar to what you see here. Hover on the button beside any item to learn more.

Sample Credit Report for John Q. Consumer

Your report number is Your report number is

This number is useful if you need to contact the credit reporting agency about information that you think is wrong or don’t understand. It will help them locate the correct information.

156206406

Report Date Report Date

Information can change on your credit reports daily. Try to view a recent report if possible. At a minimum you want to make sure you review your free annual credit reports each year.

01/07/2015

Potentially Negative Items

This section of your report lists items that lenders may see as negative, and that may hurt your credit scores. (On some reports, negative items are called “adverse accounts.”) You will want to review this section very carefully. If items are wrong you can dispute them and they may be updated or removed from your reports as a result.

Public Records

This section of the report typically lists information gathered from courthouse records such as
court judgments and bankruptcy. Tax liens may also be listed here.

MAIN COUNTY CLERK

Address Address

You can use this information to track down more details about a judgment or court case if you need it.

123 MAINTOWN S
BUFFALO, NY 10000

Plaintiff Plaintiff

Judgment debts are sometimes sold like other debts. Your report may list the company that originally obtained a judgment, for example, but you may find you now owe a different company.

Any Commissioner O.

Status Status

Here’s where you can find the current status of the item (i.e. paid or unpaid). Unpaid items may be reported indefinitely, or for seven years if they are paid. Judgments can be renewed so you may want to resolve them. If the status is not correct, you can dispute it with the credit reporting agency.

Civil claim paid

Status Details Status Details

Additional information may be provided. If you don’t understand this information, however, you may need to contact the court or source of the public record information for further details.

This item was verified
and updated in Jan 2015.

Date Filed Date Filed

This date should determine when this information can no longer be reported. Most paid public record items cannot be reported longer than seven years from the filing date. The exception is Chapter 7 bankruptcy cases, which may be reported for 10 years after the filing date.

10/15/2012

Date Resolved Date Resolved

The date a judgment or similar item was paid or settled should be listed here. While it is important that this is accurate, this date does not directly affect how long this item remains on your credit reports.

01/04/2015

Responsibility Responsibilty

This indicates whether this is a joint or individual account. A joint account will also appear on the credit report of the joint accountholder.

INDIVIDUAL

Claim Amount Claim Amount

The amount listed should be accurate, but it may not directly affect your credit scores. Keep in mind that interest can often continue to accrue on unpaid judgments or tax liens. Settling a judgment for less than the full balance does not hurt your credit scores as long as the report shows the debt has been resolved.

$200

Collection Accounts

Accounts placed for collection appear here. These may include medical debts as well as credit
card debt that was charged off, unpaid utility or telecom bills, or delinquent gym memberships turned over to collection agencies.

COLL AGENCY XYZ

Address Address

If you believe the information about the collection account is inaccurate or incomplete, you can dispute it with the credit reporting agency or contact the collection agency at the address provided on the report.

PO BOX 123
ANYTOWN, PA 10000
(555) 555-5555

Status Status

If a collection account has been paid, the credit report should reflect that. Under most credit scoring models, collection accounts are considered negative even if they have been paid. This is changing as newer credit scores ignore collection accounts with a zero balance.

Collection account. $145 past due as of 04/20/2013

Date Opened Date Opened

The date the account was placed for collection does not affect how long it remains on the credit report. However, this date can be important because recent collection accounts can have more impact on credit scores than older accounts.

12/2011

Reported Since Reported Since

This field typically notes the first month that information about this account was reported to the credit reporting agencies.

01/2012

Last Reported Last Reported

This field typically notes the last month that information about this account was reported to the credit reporting agencies.

04/2013

Your Statement Your Statement

If you dispute an account with the credit reporting agency, it may be listed as under dispute until an investigation is completed. Some information about items under dispute may be excluded when your credit scores are calculated.

ITEM DISPUTED BY CUSTOMER

Account Number Account Number

Account numbers on credit reports may be “truncated” (not shown in full) for security reasons.

0123456789

Type Type

When it comes to collection accounts, the type of account (installment or revolving) is not important. All collection accounts are considered negative. Newer scoring models, such as FICO 9 and VantageScore 3 assign less weight to medical collection accounts.

Installment

Terms Terms

Most collection accounts are not updated frequently and there may be little information provided with regard to terms, monthly payments, etc.

NA

Monthly Payment Monthly Payment

Most collection accounts are not updated frequently and there may be little information provided with regard to terms, monthly payments, etc.

$0

Responsibility Responsibility

This field indicates whether this debt is a joint account or an individual account. An individual account is only the responsibility of the individual account holder.

Individual

Original Creditor Original Creditor

This should list the name of the company to which you originally owed the debt. The exception may be some medical debts; to protect the consumer’s medical privacy the name of the original provider may not be shown, but you can request details directly from the collection agency.

TELEVISE CABLE COMM.

Credit Limit/Original Amount Credit Limit/Original Amount

This field should reflect the original amount of the debt. Keep in mind that unpaid debts that have become collection accounts can often get larger, due to interest and/or fees.

$145

High Balance High Balance

Unfortunately, when it comes to collection accounts, the fact that the debt has been paid down or paid off doesn’t usually boost your credit score in the short term. Still, this information should be accurate. If it is not, you can dispute it.

NA

Recent Balance Recent Balance

Unfortunately, when it comes to collection accounts, the fact that the debt has been paid down or paid off doesn’t usually boost your credit score in the short term. Still, this information should be accurate. If it is not, you can dispute it.

$145 as of 4/2013

Recent Payment Recent Payment

Payments on collection accounts are not always reported. And it is not unusual for collection agencies to wait until an account has been paid off to update the balance to $0. However, if the balance listed is inaccurate, you have the right to dispute it.

$0

Credit Accounts

Accounts with negative information, such as late payments, may be listed in this section of the report.

ABCD Banks

Address Address

If you believe the information about the account is inaccurate or incomplete, you can dispute it with the credit reporting agency or contact the creditor at the address provided on the report.

100 CENTER RD
BUFFALO, NY 10000
(555) 555-5555

Account Number Account Number

Account numbers on credit reports may be “truncated” (not shown in full) for security reasons.

1000000...

Status Status

This field should list the current status of the account. This information is very important because an account that is currently “delinquent” (behind on payments) is considered very risky and can really hurt your credit scores.

Past due 60 days

Account History Account History

In addition to the payment grid this field typically summarizes late payments. Again this is important because frequent and/or recent late payments can have a significant impact on credit scores.

60 days late as of 12/2014
30 days late as of 11/2014

Type Type

Installment accounts generally refer to loans that must be paid back in a specific period of time such as personal, auto, mortgage or student loans.

Installment

Terms Terms

If reported, this field will usually indicate the length of the loan. It is most commonly reported for loans with fixed repayment periods. (In this example, this is a three-year loan.)

36 months

Monthly Payment Monthly Payment

The amount of the monthly payment may be important when lenders calculate debt-to-income ratios; for example, when you apply for a mortgage.

$78.34

Responsibility Responsibility

This field indicates whether this debt is a joint account (co-signed, for example). A joint account will also appear on the credit report of the joint accountholder. If you are the co-signer on a debt, it is still 100% your responsibility if the primary borrower doesn’t pay it.

Individual

Credit Limit/Original Amount Credit Limit/Original Amount

This field indicates the credit limit (for revolving accounts like credit cards) or the original loan amount (for installment accounts). A lender or credit score may take into account whether the account is near the limit.

$2500

High Balance High Balance

Credit scoring models may substitute the high balance for the credit limit if the credit limit is not available.

NA

Recent Balance Recent Balance

This field should indicate the latest balance reported to the credit reporting agencies. Keep in mind that it may be different than your actual balance, depending on how recently it was updated. Many lenders report monthly.

$972.45 as of 12/2014

Recent Payment Recent Payment

This field generally lists the most recent payment amount.

$0

Payment History Payment History

The payment grid shows all payments for up to seven years, if available. Recent or frequent late payments have the biggest impact on credit scores.

  • Late Payment Key (days)
  • 30
  • 60
  • +90
  • NR
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2014
2013

Accounts in Good Standing

Credit accounts such as mortgages, auto loans, credit cards, etc., may appear in this section.

Get a Free Account

Installment Accounts

These accounts generally refer to loans you pay back over a specific period of time, such as
auto loans, student loans and mortgages.

AUTOMOBILE AUTO FINANCE

Address Address

If you believe the information about a credit account is inaccurate or incomplete, you can dispute it with the credit reporting agency or dispute it directly with the creditor at the address provided on the report.

100 MAIN ST E
SMALLTOWN, MD 90001
(555) 555-5555

Status Status

This field should list the current status of the account. This information is very important because an account that is currently “delinquent” (behind on payments) is considered very risky and can really hurt your credit scores.

Open/Never late

Date Opened Date Opened

The date an account was opened is helpful when it comes to credit age. Generally, older accounts help your credit scores more than newer accounts since they demonstrate experience with credit.

11/2012

Reported Since Reported Since

This field typically notes the first month information about this account was reported to the credit reporting agencies.

11/2012

Last Reported Last Reported

This field should indicate when information about this account was last supplied to the credit reporting agency.

12/2014

Account Number Account Number

Account numbers on credit reports may be “truncated” (not shown in full) for security reasons.

12345678998....

Type Type

Having a mix of different types of accounts (revolving and installment) can be helpful in terms of building strong credit scores.

Installment

Terms Terms

This field will usually indicate the length of the loan; for example, 60 months or five years.

60 Months

Monthly Payment Monthly Payment

The amount of the monthly payment may be important when lenders calculate debt-to-income ratios; for example, when you apply for a mortgage.

$391.41

Responsibility Responsibility

This field indicates whether this debt is a joint account or an individual account. An individual account is only the responsibility of the individual account holder.

Individual

Credit Limit/Original Amount Credit Limit/Original Amount

This field indicates the original loan amount. A lender or credit scoring model may take into account whether the debt is near the limit or has been paid down significantly.

$23,455

High Balance High Balance

Credit scoring models may substitute the high balance for the credit limit if the credit limit is not available.

NA

Recent Balance Recent Balance

his field should indicate the latest balance reported. Keep in mind that it may be different than your actual balance, depending on how recently it was updated (which you can find via the “last reported” date). If it is more than a couple of months old, you can dispute it.

$14,881.30 as of 12/2014

Recent Payment Recent Payment

This field generally lists the most recent payment amount.

$391.41

Payment History Payment History

The payment grid shows all payments for up to seven years, if available. On-time payments help your credit scores. Note that in this example there are months when no payment status is reported. This should not impact your credit scores.

  • Late Payment Key (days)
  • 30
  • 60
  • +90
  • NR
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2014
2013
2012

UNIV STUDENT LOAN

Address Address

If you believe the information about a credit account is inaccurate or incomplete, you can dispute it with the credit reporting agency or dispute it directly with the creditor at the address provided on the report.

PO BOX 1234
FORT LAUDERDALE, FL 10009

Status Status

This field should list the current status of the account. An account that is behind on payments is considered very risky and can hurt your credit scores. In this case, the student loan is in deferment, which is not considered negative, but could make it hard to qualify for a mortgage.

Open/Deferred.

Date Opened Date Opened

The date an account was opened is helpful when it comes to credit age. Generally, older accounts help your credit scores more than newer accounts since they demonstrate experience with credit.

06/2013

Reported Since Reported Since

This field typically notes the first month information about this account was reported to the credit reporting agencies.

07/2013

Last Reported Last Reported

This field should indicate when information about this account was last supplied to the credit reporting agency.

12/2014

Account Number Account Number

Account numbers on credit reports may be “truncated” (not shown in full) for security reasons.

12345678998....

Type Type

Installment accounts generally refer to loans that must be paid back in a specific period of time, such as student loans. Having a mix of different types of accounts (revolving and installment) can be helpful in terms of building strong credit scores.

Installment

Terms Terms

This field will usually indicate the length of the loan; in this example, 120 months or 10 years.

120 months

Monthly Payment Monthly Payment

The amount of the monthly payment may be important when lenders calculate debt-to-income ratios.

$0

Responsibility Responsibility

This field indicates whether this debt is a joint account or an individual account. An individual account is only the responsibility of the account holder. Joint student loan accounts are almost always private loans since federal loans don’t require co-signers.

Individual

Credit Limit/Original Amount Credit Limit/Original Amount

In the case of an installment loan, this field lists the original amount of the loan. A lender or credit scoring model may take into account whether an account has been paid down significantly.

$4,000

High Balance High Balance

Credit scoring models may substitute the high balance for the credit limit if the credit limit or original amount is not available.

$4,000

Recent Balance Recent Balance

This field should indicate the latest balance reported. Keep in mind that it may be different than your actual balance, depending on how recently it was updated (which you can find via the “last reported” date).

$4,000

Recent Payment Recent Payment

This field generally lists the most recent payment amount. A student loan that is being repaid through Income-Based Repayment or Pay As You Earn may show a reduced monthly payment. As long as the reduced payment is made on time, this will not directly impact credit scores.

$0

ABCD MORTGAGE

Address Address

If you believe the information about a credit account is inaccurate or incomplete, you can dispute it with the credit reporting agency or dispute it directly with the creditor at the address provided on the report.

PO BOX 1234
SAN RAMON, CA 94619

Status Status

This field should list the current status of the account.

Open

Date Opened Date Opened

The date an account was opened is helpful when it comes to credit age. Generally, older accounts help your credit scores more than newer accounts since they demonstrate experience with credit.

07/2001

Reported Since Reported Since

This field typically notes the first month that information about this account was reported to the credit reporting agencies.

09/2001

Last Reported Last Reported

This field should indicate when information about this account was last supplied to the credit reporting agency.

11/2014

Account Number Account Number

Account numbers on credit reports may be “truncated” (not shown in full) for security reasons.

12345678998....

Type Type

Having a mix of different types of accounts (revolving and installment) can be helpful in terms of building strong credit scores. A mortgage, paid on time, can be a valuable credit reference.

Mortgage

Terms Terms

This field will usually indicate the length of the loan; in this example, 30 years.

30 years

Monthly Payment Monthly Payment

The amount of the monthly payment may be important when lenders calculate debt-to-income ratios.

$972

Credit Limit/Original Amount Credit Limit/Original Amount

This field indicates the original loan amount. A lender or credit scoring model may take into account whether the debt is near the limit or has been paid down significantly.

$172,000

Recent Balance Recent Balance

This field should indicate the latest balance reported. Keep in mind that it may be different than your actual balance, depending on how recently it was updated (which you can find via the “last reported” date).

$111,442.74 as of 11/2014

Recent Payment Recent Payment

This field generally lists the most recent payment amount.

$1,022.00

Payment History Payment History

The amount of the monthly payment may be important when lenders calculate debt-to-income ratios.

  • Late Payment Key (days)
  • 30
  • 60
  • +90
  • NR
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001

Revolving Accounts

Credit cards are the most common type of revolving account, though a line of credit may also appear in this section. These are accounts that allow you to borrow as much as you like, up to
your credit limit.

ABCD CREDIT CARD

Address Address

If you believe the information about a credit account is inaccurate or incomplete, you can dispute it with the credit reporting agency or dispute it directly with the creditor at the address provided on the report.

PO BOX 1234
FORT LAUDERDALE, FL 10009

Status Status

This field should list the current status of the account. This is very important because an account that is currently delinquent (behind on payments) is considered very risky and can hurt your credit scores.

Closed

Date Opened Date Opened

The date an account was opened is helpful when it comes to credit age. Generally, older accounts help your credit scores more than newer accounts since they demonstrate experience with credit.

03/1997

Reported Since Reported Since

This field typically notes the first month information about this account was reported to the credit reporting agencies.

12/2004

Last Reported Last Reported

This field should indicate when information about this account was last supplied to the credit reporting agency.

11/2014

Your Statement Your Statement

A closed account can still be considered when the credit score is calculated; however, with revolving accounts the credit limit will not be available when the “debt usage” ratio is calculated.

Account closed at
consumer's request

Account Number Account Number

Account numbers on credit reports may be “truncated” (not shown in full) for security reasons.

12345678998....

Type Type

Revolving accounts typically refer to credit cards, but can also include lines of credit. Revolving accounts let you borrow any amount up to the credit limit and pay the debt off over time. Having a mix of installment and revolving accounts can help build strong credit scores.

Revolving

Terms Terms

This field will usually indicate the length of the loan. This field is often blank (NA) for credit cards.

1 months

Monthly Payment Monthly Payment

The amount of the monthly payment may be important when lenders calculate debt-to-income ratios. Although the monthly payment may be used to calculate credit scores, it is not usually a significant factor.

$0

Responsibility Responsibility

This field indicates whether this debt is a joint account or an individual account. A joint account is the responsibility of both account holders and will appear on the credit reports of both individuals.

Joint

Credit Limit/Original Amount Credit Limit/Original Amount

For revolving accounts like credit cards, this field indicates the credit limit. This amount is compared to the current balance to calculate a “debt usage” ratio. Balances larger than 20-25% of available credit can hurt credit scores.

$5,000

High Balance High Balance

If the credit limit is not available, credit scoring models may substitute the highest balance ever reported in order to calculate a debt ratio.

$3,228

Recent Balance Recent Balance

This field should indicate the latest balance reported. Keep in mind that it may be different than your actual balance, depending on how recently it was updated (which you can find via the “last reported” date). The credit limit is compared to the balance to calculate the debt usage ratio.

$0 paid as of 10/2014

Recent Payment Recent Payment

This field generally lists the most recent payment amount. In the case of revolving accounts, this amount may vary, depending on whether you pay the minimum payment, the total balance or something in between.

$0

Payment History Payment History

The payment grid shows all payments for up to seven years, if available. Positive payments on closed accounts can still help your credit scores, while missed payments (which can be reported for seven years) can hurt them.

  • Late Payment Key (days)
  • 30
  • 60
  • +90
  • NR
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2014
2013
2012
2011
2010
2009
2008

ABCD DEPARTMENT STORE

Address Address

If you believe the information about a credit account is inaccurate or incomplete, you can dispute it with the credit reporting agency or dispute it directly with the creditor at the address provided on the report.

PO BOX 1234
SAN RAMON, CA 94619

Status Status

This field should list the current status of the account. Closed accounts often remain on credit reports for up to 10 years after they are closed.

Open/Never late

Date Opened Date Opened

Generally, older accounts help your credit scores more than newer accounts since they demonstrate experience with credit. The date a closed account was opened can still contribute to credit age for purposes of calculating a credit score.

10/2011

Reported Since Reported Since

This field typically notes the first month information about this account was reported to the credit reporting agencies.

10/2011

Last Reported Last Reported

This field should indicate when information about this account was last supplied to the credit reporting agency.

12/2014

Account Number Account Number

Account numbers on credit reports may be “truncated” (not shown in full) for security reasons.

12345678998....

Responsibility Responsiblity

This field indicates if the consumer is an authorized user on someone else’s account. This means they are not legally responsible for the debt, though this data still contributes to their credit score. In some cases these may not be as strong as an individual or joint account.

Authorized user

Monthly Payment Monthly Payment

The amount of the monthly payment may be important when lenders calculate debt-to-income ratios. Although it may be a factor in calculating credit scores, it is not usually a significant one.

$15

Credit Limit/Original Amount Credit Limit/Original Amount

The amount of the monthly payment may be important when lenders calculate debt-to-income ratios. Although it may be a factor in calculating credit scores, it is not usually a significant one.

N/A

High Balance High Balance

If the credit limit is not available, credit scoring models may substitute the highest balance ever reported in order to calculate a debt ratio.

$525

Recent Balance Recent Balance

This field should report the most recent balance reported to the credit reporting agency. Note that in this example, the balance is high in comparison to the credit limit/highest balance, and that “debt usage” ratio is likely to lead to lower credit scores.

$442

Recent Payment Recent Payment

This field generally lists the most recent payment amount. In the case of revolving accounts, this amount may vary, depending on whether you pay the minimum payment, the total balance or something in between.

$15

Payment History Payment History

The payment grid shows all payments for up to seven years, if available. Note that with authorized user accounts, the entire available credit history is usually reported, even if you were recently added onto the account.

  • Late Payment Key (days)
  • 30
  • 60
  • +90
  • NR
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2014
2013
2012
2011

Requests for Your Credit (Inquiries)

Every time your credit information is reviewed, an inquiry is created on your credit reports. By law, credit reporting agencies must tell you everyone who has received your credit information in the past two years.

Requests Viewed By Others

The inquiries in this section may be included in credit reports provided to lenders and others
who review your credit reports, and as a result, they may affect your credit scores.

HOME SALE REALTY CO

Address Address

If you don’t recognize the company listed here or understand why they checked your credit, use this address to contact them to find out more. Inquiries you don’t recognize can sometimes be a sign of credit fraud.

2000 S MAINROAD BLVD
STE
ANYTOWN CA 11111
(555) 555-5555

Comments Comments

In this example, the name of the company placing the inquiry is different from the company listed in the comments. This is not uncommon; if you apply for an auto loan at an auto dealer, for example, they may “shop” your application to different companies to find the best rate.

Real estate loan on behalf of 3903 MERCHANTS EXPRESS M. This inquiry is scheduled to continue on record until 07/2017

Date of Request Date of Request

Inquiries are reported for two years, however when credit scores are calculated, inquiries within the past 12 months are usually the only ones that matter.

07/6/2015

M & T BANK

Address Address

If you don’t recognize the company listed here or understand why they checked your credit, use this address to contact them to find out more. Inquiries you don’t recognize can sometimes be a sign of credit fraud.

PO BOX 100
BUFFALO NY 10000
(555) 555-5555

Comments Comments

Not everyone can request your credit reports. “Permissible purposes” for reviewing a consumer’s credit report include applications for credit (which includes utilities and cellphones), insurance and employment.

Permissible purpose. This inquiry is scheduled to continue on record until 06/2016

Date of Request Date of Request

Inquiries are reported for two years, however when credit scores are calculated, inquiries within the past 12 months are usually the only ones that matter.

05/01/2014

WESTERN FUNDING INC

Address Address

If you don’t recognize the company listed here or understand why they checked your credit, use this address to contact them to find out more. Inquiries you don’t recognize can sometimes be a sign of credit fraud.

191 W MAIN AVE
STE 100
INTOWN CA 10000
(559) 555-5555

Date of Request Date of Request

Inquiries are reported for two years, however when credit scores are calculated, inquiries within the past 12 months are usually the only ones that matter.

09/21/2014

Comments Comments

If you find an inquiry in this section and you’re confident you didn’t contact the company, try calling the company first to ask why your credit information was reviewed. If it’s fraudulent, you may want to place a fraud alert or credit freeze with the credit reporting agency.

Permissible purpose. This inquiry is scheduled to continue on record until 10/2016.

Requests Viewed Only By You

The inquiries in this section will only be viewed by you; they are not included on reports sold to lenders or other companies, and as a result they do not affect your credit scores.

CREDIT.COM

Address Address

You can get a truly free credit report card, which includes two credit scores and an action plan, for free at Credit.com. Checking your own credit this way does not affect your credit scores.

SAN FRANCISCO, CA

Date of Request Date of Request

Inquiries may be reported for up to two years.

07/16/2016

Comments Comments

When you review your own credit reports, it creates a “soft inquiry,” which is not shown to others and does not affect your credit scores.

Consumer Review

ABCD BANK

Address Address

You may not recognize the companies listed in this section, but don’t worry too much. They may have reviewed your credit to send you a credit offer. If you don’t wish to receive pre-approved credit solicitations, visit OptOutPrescreen.com.

1 MAIN CTR
AA 11
BUFFALO NY 14203

Date of Request Date of Request

All inquiries are reported for two years. Pre-screened offers don’t affect your credit scores, so the date is not usually important.

08/10/2014

Comments Comments

Pre-screened credit offers, such as the ones you receive for pre-approved credit card offers in the mail, create “soft inquiries,” which are not shown to others and do not affect your credit scores.

Promotional

MY TOWN BANK

Address Address

The companies you currently have credit cards or loans with may review your credit reports from time to time. When they do, it creates an “account review” inquiry.

PO BOX 825
MYTOWN DE 10000
(555) 555-5555

Date of Request Date of Request

All inquiries are reported for two years.

09/01/2014

Comments Comments

Account review inquiries occur when your current lenders review your credit. They are “soft inquiries,” which are not shown to others and do not affect your credit scores.

Account Review

Personal Information

The information in this section may be more important than you realize. Credit reporting agencies collect billions of pieces of data from different sources and must “match” information about individual consumers in order to produce a credit report. Personal information is one of the ways they do that. In addition, wrong information could be a sign of fraud.

Names Names

If you have a common name, or are a Jr. or Sr., your information may get mixed up with someone else’s. To avoid this, use your full name consistently on credit applications. If you are married or divorced, make sure your legal name is listed correctly.

JOHN Q. CONSUMER

Social Security number variations Social Security number variations

Your SSN is one of the main pieces of information that creditors and credit reporting agencies use to tell what information belongs in your credit report, so it should be accurate. However, a company does not need your SSN to report an account.

999-99-9999

Year of Birth Year of Birth

Like your SSN, this date is used as an identifier to help the credit reporting agencies match information that belongs to you. In cases of child identity theft, the thief may make up a fake date of birth that makes the victim appear older than they are.

1959

Spouse or co-applicant Spouse or co-applicant

Just because your spouse’s name is listed here does not mean your credit reports are merged. You each have your own credit reports. Any credit accounts you share are the only ones that should appear on both of your reports.

JANE

Employers Employers

Employment information on credit reports is often out of date. Don’t worry if that’s the case.

ABCDE ENGINEERING CORP

Telephone numbers Telephone numbers

Creditors and collectors may use this information to try to contact consumers, but it should not affect your credit scores. If you see a telephone number that you don’t recognize, dispute it. It could indicate your information is mixed up with that of someone else, or it could be a sign of fraud.

(555) 555-5555 Residential

Address Address

If you don’t recognize a current or former address listed, dispute it. It could indicate your information is mixed up with that of someone else, or it could be a sign of fraud.

123 MAIN STREET
ANYTOWN, MD 90001

Type of residence Type of residence

What type of home you live in is for informational purposes only; it does not affect your credit scores.

Multifamily

Previous Address Previous Address

If you don’t recognize a current or former address listed, dispute it. It could indicate your information is mixed up with that of someone else, or it could be a sign of fraud.

1349 West AVE.
SMALLVILLE, SD 56687

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