What information is included in my credit report

What information is included in my credit report -

Q: What information will I find on my credit reports Experian, Equifax and TransUnion? And will credit monitoring services provide the same information

? A: Your credit report contains important detailed information about your credit history. Here's a guide to what you find in your reports:

Personal Identity Information. Each of the three bureaus collect personal information you have already provided to lenders. This includes your social security number, birthday, employment information and address.

Credit Accounts. Your credit report contains all your credit lines, even those that are closed. When your credit accounts display, the report will also include the type of account, the opening date, credit limit, the amount of the loan balance and the positive or negative story for everyone. There are some important deadlines noted on credit accounts on your credit report :.

• Paid accounts remain on your credit record for to ten years from the date of last activity
• The unpaid accounts as agreed to stay seven years from the date of the first account has become past due .
• delay history stays on your credit record for seven to ten years .

Credit Inquiries. This section includes the lenders that you have allowed to access your credit report in the past two years. Here, there are two investigations "volunteers" (your own requests for credit) and check "involuntary" (when lenders order your report to make you a pre-approved credit offers, for example). Remember, ask your credit report or credit score will not affect your credit because it is a "soft pull." Learn more about hard and soft shoots here.

Collection Items. Here you will find information on overdue debt from collection agencies, bankruptcies and foreclosures.

All top credit report monitoring services like Identity Guard, and FreeScoresAndMore.com TrustedID provide your accurate credit reports Experian, Equifax and TransUnion. These services are also a great way to learn about your credit reports -. Often they explain why particular items on your credit reports are negative or positive

In terms of updating your 3 bureau reports and credit scores, FreeScoresAndMore.com the monthly updates, Identity Guard updates them every 3 months and TrustedID annually. All three of these services monitor your daily credit records for any changes, and alert you immediately if they spot the differences. Visit our credit report monitoring comparison page to find the right service and free trial for you.