There are four types of information in a credit report: 1) Identifying information such as name, current and previous addresses, Social Security number, year of birth, current and previous employers, and possibly your spouse’s name. 2) Credit information about each account: date opened, credit limit, loan amount, balance, monthly payment, payment pattern during the past several years, and whether anyone else (spouse or co-signer) is responsible for paying on the account. 3) Public record information: federal district bankruptcy records, tax liens, monetary judgments, and overdue child support in some states. 4) Inquiries: the names of businesses that obtained a copy of your credit report for any reason.
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