What’s NOT in Your Report
As surprising as it can be to learn just how much detail about your life
is available to creditors and even to companies in search of potential customers,
it may be even more surprising to learn what’s not in your credit file.
Your credit report does not contain information on:
- savings or checking accounts;
- bankruptcies that are more than 10 years old;
- charge-offs or debts that have been sent to collections that are more
than seven years old;
- driving records;
- medical history (although medical bills may appear on your report as
debts); or
- criminal records.
For privacy and fair lending reasons, the credit report also cannot include
your:
- gender;
- ethnicity;
- religion; or
- political affiliation.
Next: Credit Reports
vs. Scores
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