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Identifying information
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Credit history
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Public records
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Inquiries
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Credit
reports have four types of information.
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Identifying information:
includes your name (married and maiden), current and previous address,
Social Security Number, telephone number, date of birth, and current and
previous employer.
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Credit history:
includes your history of paying bills with creditors such as retail stores,
banks, finance companies, and mortgage companies. (If you pay in nothing
but cash, you may not have any credit history.)
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Public records:
that revolve around money, such as tax liens, judgments, bankruptcies,
etc. (Although most items vanish after 7 years, bankruptcies stay on your
record for 10 years.)
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Inquiries:
Lists identifying the credit companies and other authorized parties (such
as insurance companies) who have received your credit report. Inquiries
also contain lists of the companies that receive your name and address
information for the purpose of offering you credit (you can ask that your
name not be given out).
All the credit report
cares about is the money you borrow. It doesn't care about your race, gender,
lifestyle, political beliefs, criminal record, etc. It doesn't have your
checking or savings account information, because that isn't borrowed money. |
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