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What's in a credit report?

A credit report is a summary of your credit history, reported to credit bureaus by lenders and creditors. Learn about positive and negative information on your credit report, and how creditors may use this information.

Q. Your Equifax credit report contains four types of information:

  1. Identifying information

    This includes personal information, such as your name, address, Social Insurance Number, and date of birth. This information is not used to calculate credit scores.
  2. Credit accounts, also known as "tradelines"

    These are accounts that you have established with lenders and generally contain the type of account (for example, a credit card or mortgage), the date you opened the account, your credit limit or loan amount, the account balance, and your payment history.
  3. Inquiry information

    This section includes information about the companies who have pulled a copy of your credit report, sometimes known as an "inquiry." There are two types of inquiries that you may find listed in your credit report: "soft" inquiries and "hard" inquiries.
  4. Public record and collections information

    Public court record information reported to Equifax, such as bankruptcies, is also listed in your credit report. Past-due accounts that have been turned over to a collections agency could also be included in your credit report.
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