What’s On My Credit Report?

Your credit report includes payment history for your bank loans, any major retailer accounts, and your bank or credit card accounts. For each account, the creditor terms, type of account, amount of the original debt or credit limit and the outstanding balance will be shown. Your credit report also shows a list of any inquiries made in the last 6 months by any credit grantors. All credit related, publicly available information such as foreclosures, judgments, tax liens or bankruptcies will be shown.


Amounts You Owe
Amount owing on accounts
Amount owing on specific types of accounts
Lack of a specific type of balance, in some cases
Number of accounts with balances
Proportion of credit lines used (proportion of balances to total credit limits on certain types of revolving accounts)
Proportion of installment loan amounts still owing (proportion of balance to original loan amount on certain types of installment loans)
Length of Your Credit History
Time since accounts opened
Time since accounts opened, by specific type of account
Time since account activity
Number of recently opened accounts, and proportion of accounts that are recently opened, by type of account
Number of recent credit inquiries
Time since recent account opening(s), by type of account
Time since credit inquiry(s)
Re-establishment of positive credit history following past payment problems