CHAPTER TWO Credit reports
Your credit report is the file containing all the information a credit bureau has in your name, and can include:
Personal information: • Current and past addresses • Current and past employers • Phone numbers • Social Security number • Birth date
Financial information: • Open and closed credit accounts • Credit limit or original loan amount • Current account balance • Payment history • Open and close dates of accounts • Creditor names • Liens
• Foreclosures • Bankruptcies • Collections • Account repayment status • Judgments • Hard and soft inquiries
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