Your credit report contains important information about your credit history and it can be helpful to see it all in the same place. Your credit report contains the following information:
Whenever you apply for credit, this information is updated. If it’s been a while since you’ve applied for credit, this may not be up to date.
You’ll be able to see any inquiries about your credit, such as when a potential lender is reviewing your credit. It’s important to make sure these inquiries are all done with your permission.
Trades and Accounts
You can view any open or closed accounts that appear on your credit report, such as credit cards, installment loans, mortgages and mobile phone accounts.
Your report will also show any accounts that have been sent to collections, whether the balance(s) have been paid or unpaid. Be careful – when an account gets sent to collections it can have a big impact on your credit score.
Any public records you may have will also show on your credit report. An example of this is a court judgment.
If you’ve ever filed for bankruptcy, it will appear on your credit report.