What’s in a Credit Report? 2018-03-19T14:18:44+00:00

What’s in a Credit Report?

Your credit report is basically your financial report card. It provides a record of your borrowing and money management history and is used to calculate your credit score. Lenders refer to your credit report to determine if you are a good credit risk before approving a loan. If you have a good credit report, you are more likely to get more credit and a better interest rate than someone with a poor credit report.

You can get a free copy of your credit report from each credit reporting agency once a year by going to www.annualcreditreport.com. You can ask for all three at once if you want to compare the information and make sure it’s consistent. In the future, request one every four months, so you can monitor your credit throughout the year.

Use the Interactive Sample Credit Report below to learn about the information included in a credit report. Tap any of the Blue text shown (or hover over the text with your cursor on a desktop PC) to toggle a popup with more information about that portion of the credit report.

Credit Report for
Jonathan D. Moneymaker

File Number: 555555x
Date Issued: 10/21/2017

 Personal Information

Name: Jonathan D. Moneymaker
You have been on our files since 12/2009
SSN: XXX-XX-1234
Date of Birth: 09/1991
Telephone: 555-555-5555
Your SSN is partially masked for your protection

CURRENT ADDRESS
91011 Landmark Blvd
Big City, TX
98765
Date Reported: 02/2016

PREVIOUS ADDRESS
5678 Mane St., #808
Big City, TX 98765
Date Reported: 08/2014

Employment Data Reported

Employer Name: Really Big Company
Date Reported: 03/2017

Position: Manager
Date Hired: 09/2015

Account Information

BANK OF AMERICASH  #123646779

1234 PIECHART PKWY
NC12345
GREENSBORO, CA 55555
(800) 555-5555

Balance:  $0

Date Updated:  09/2017

High Balance:  $400

Credit Limit:  $500

Past Due:  $0

Pay Status: Paid or Paying as Agreed

Account Type: Line of Credit Account

Responsibility: Joint Account

Date Opened: 08/2013

Date Paid: 09/2017

Loan Type: Line of Credit

Payment History:

Last 48 Months

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2017 OK OK OK OK OK OK OK OK OK
2016 OK OK OK OK OK OK OK OK OK OK OK OK
2015 OK OK OK OK OK OK OK OK OK OK OK OK
2014 OK OK OK OK OK OK OK OK OK OK OK OK
2013 OK OK OK

LONESTAR FEDERAL CU #5556665Z
55555-A GATEWAY CE
CLARKSBURG , TX 55555
(877) 555-9811

Balance: $0

Date Updated: 07/2015

High Balance: $11,559

Past Due: $0

Terms: $255 for 60 months

Pay Status: Paid or Paying as Agreed

Account Type: Installment Account

Responsibility: Individual Account

Date Opened: 06/2010

Date Closed:  06/2015

Loan Type: Automobile

Remarks: Closed

Public Record Information

None listed.

Inquires

FIRST DIVIDEND LENDING via LANDLINES CREDIT
5555 WOODEN NICKEL GROVE
RM-555
DIMEPENNY, CA 55555
(800) 555-1692

Requested On: 01/07/2017

Inquiry Type: Participant

Permissible Purpose:  CREDIT TRANSACTION

PIGGYBANK AMERICA
5555 DEMONEY PKWY
GREENSBUCK, NC 55555-8110
(800) 555-6356

Requested On: 12/2016

CONTACT US REGARDING DISPUTES

Report an Inaccuracy:

By Mail:
Credit Reporting Consumer Relations
PO Box 5555
Eastchester, PA 55555-2000

By Phone:
(800) 555-8800
Our business hours in your time zone are 8:30 a.m. to 4:30 p.m., Monday through Friday, except major holidays. Please have your file number available (located at the top of this report).

Online:
Vist our website at www.CredReportServ.com or send email to service@CredReportServ.com

Your Rights

A Summary of Your Rights Under the Fair Credit Reporting Act
The federal Fair Credit Reporting Act (FCRA) rights will be listed here.

Information Regarding State Laws
Laws related to your state will be listed here.

Learn More About How to Track Your Money: