What information is included in a credit report?

A credit report is a detailed record of your financial history. It contains information about the credit you’ve taken out, how much you owe to whom and how often you’ve paid your bills. It also shows whether you’ve declared bankruptcy or had a court judgment against you. Credit reports are held and maintained by credit bureaus and are used by lenders to check your creditworthiness and decide whether to offer credit. A credit report includes your personal information, such as your name, address, and Social Security number. It also includes your credit history, including the types of credit you’ve had, loan amounts, and payment histories. The report will show whether you’ve been late or missed payments, or if you’ve declared bankruptcy. It will also show any inquiries that have been made about your credit, such as when you applied for a loan or credit card. A credit report is important because it can affect your ability to get a loan or a credit card. It’s important to review your credit report to make sure that the information is accurate and up-to-date. Consumers in California have the right to a free annual credit report. The California Credit Repair Law helps protect consumers against fraud and identity theft.

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What information is included in a credit report?

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