Things that are found in a credit report include:
- Identifying information: Name, address, social security number, date of birth, employment information
- Trade Lines: Each of your credit accounts – includes type of account, date opened, credit limit, account balance, and payment history
- Credit Inquiries: A list of everyone who has accessed your credit report in the last two years
- Public Record and Collection Items: Bankruptcies, foreclosures, suits, wage attachments, liens, and judgments, as well as information on overdue debt from collection agencies
The information found in a credit report is sold by credit agencies is sold to organizations considering whether or not to offer individuals credit.