Q: I want to get my credit report and need to know what information will not be included on my credit report not included information on your credit report:
income, monetary assets and accounts
Contrary to popular belief, your credit report not include bank accounts; checking, savings, CDs and other investment accounts are not listed on your credit report. While lenders may request this information to get an idea of your financial health, you will not find your assets and income on a credit report.
Utility Accounts
When you apply for a wireless telephone or Internet account and cable, the company can first look at your credit report to approve the contract; However, your actual [on-time] monthly payments and account details are not reported by most utilities. This also applies to gas bills, water and electricity.
Keep in mind that if you default on one such utility bills and invoices are sent to collections, these unpaid utility accounts appear on your credit report and hurt your credit score.
Information Interest Rate
Although all of your credit accounts on your personal credit history are listed with balances, payments and outstanding amounts, surprisingly the rates of these real interest accounts are not included on your credit report.
medical history and criminal record
If you apply for a job, many companies / individuals are first a background check to check your criminal history. Criminal history, however, does not appear on your credit report, nor is your medical history. As unpaid electricity bills, unpaid medical bills that were sent to collections will appear on your credit report.
While your medical history is not on your credit report, part of the top monitoring services offer credit report monitoring medical records. This feature helps protect against identity fraud by ensuring that no one else has been received benefits on your behalf.
Family and demographic information
Your gender, age and race are not listed on your credit report. Your marital status and the personal information of your spouse are not included in your credit report, are neither information about your dependents (if applicable). Note that your credit report may appoint a current or former spouse if you have / had joint credit accounts with that person.
sweet Investigations
Not to be confused with "hard inquiries" soft inquiries occur when you look at your own credit file via eg , or another www.annualcreditreport.com report monitoring service credit. Hard inquiries occur when banks and other creditors pull your credit report themselves. Hard inquiries appear on your credit report and can have a negative effect on your credit score.
If you want to get your credit report from three full desktop and scores, and are interested in having your secure credit, take a look at our critical monitoring credit report and sign up for a Free trial with a leading services.