What Information is in a Credit Report?

A credit report is a detailed record of how you’ve used credit over time. Lenders use it to decide whether to approve you, what limit to give you, and what interest rate to charge.

It doesn’t just show a score—it shows who you borrowed from, how much you owe, and how reliably you’ve paid them back.

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1. Personal Information

Your credit report includes basic identity details so lenders can match the right file to the right person, such as:

• Your name and any known name variations

• Current and past addresses

• Date of birth

• Sometimes employer information

This section doesn’t affect your score, but it’s important for spotting identity errors or fraud.

2. Credit Accounts (Tradelines)

This is the core of your report. For each credit account, you’ll typically see:

• Type of account (credit card, line of credit, car loan, student loan, etc.)

• Lender name

• Open date and sometimes close date

• Credit limit or original amount

• Current balance

• Payment history (on-time, late, missed)

• Account status (open, closed, in collections, charged off, etc.)

Both current and some closed accounts can stay on your report for years.

3. Payment History

Payment history is one of the biggest score drivers. Your report can show:

• Whether you paid on time

• How many days late (30, 60, 90+) if you didn’t

• Any serious delinquencies, like accounts sent to collections

This is why having good cash flow and buffers matters so much.

4. Credit Inquiries

Your report also lists when lenders have checked your credit:

• Hard inquiries – When you apply for credit (credit cards, loans, lines of credit); can affect your score.

• Soft inquiries – Checks for things like pre-approvals or personal lookups; don’t affect your score.

Too many hard inquiries in a short period can make you look risky.

5. Public Records and Collections

In some cases, your report may include:

• Collections accounts (unpaid debts sent to collection agencies)

• Bankruptcies or consumer proposals

• Certain court judgments related to debt

These can have a big negative impact and usually stay on your file for several years.

6. Summary Information

Many reports also show a summary, such as:

• Total number of accounts

• How many are open vs. closed

• Total limits and balances

• Oldest account age

This gives lenders a quick snapshot of how experienced and stretched you are with credit.