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
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
Employer Name: Really Big Company
Date Reported: 03/2017
Position: Manager
Date Hired: 09/2015
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
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
None listed.
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
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
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.
